---
title: "Pie Insurance vs The Hartford: Professional Liability (E&O) Insurance"
description: "The Hartford publishes average minimum monthly premiums for five separate professional liability products, from $38 for healthcare to $239 for architects and engineers, while Pie's E&O page publishes no premium figures for any profession."
canonical: "https://spot.insure/compare/pie-insurance-vs-the-hartford/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "pie-insurance-vs-the-hartford"
provider-a: "pie-insurance"
provider-b: "the-hartford"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/pie-insurance-vs-the-hartford/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Pie Insurance and The Hartford for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about Pie Insurance versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Pie Insurance vs The Hartford for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Pie Insurance or The Hartford?
- What does Pie Insurance or The Hartford publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Pie Insurance and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Pie Insurance vs The Hartford](https://spot.insure/compare/pie-insurance-vs-the-hartford) — all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# Pie Insurance vs The Hartford: How Do They Compare for Professional Liability (E&O) Insurance?

Pie Insurance finds E&O through carrier partners for small businesses; The Hartford publishes average minimum monthly premiums, such as $62 for standalone miscellaneous professional liability, and lists accountants, consultants and technology professionals.

The Hartford publishes five priced professional liability products by profession; Pie's page shows no premium figures at all.

## Pie Insurance vs The Hartford Professional Liability (E&O) Insurance Summary

The Hartford publishes average minimum monthly premiums for five separate professional liability products, from $38 for healthcare to $239 for architects and engineers, while Pie's E&O page publishes no premium figures for any profession. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [1](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")

## What Are the Key Differences Between Pie Insurance and The Hartford Professional Liability (E&O) Insurance?

### No Public Pricing vs. Five Priced Products

Pie's page does not publish limits, deductibles or premium ranges for errors and omissions coverage. [1](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") The Hartford instead breaks the line into five named products, each with its own published average minimum monthly premium:

The Hartford publishes average minimum monthly premiums by product: Misc. Professional Liability Standalone $62, Misc. Professional Liability Endorsement $41, Architects and Engineers Professional Liability $239, Healthcare Professionals Professional Liability $38, and Errors & Omissions Insurance for Technology Companies $146. The page does not publish standard coverage limits or retentions; cost and limits are set at quote. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits..)

When comparing Pie Insurance and The Hartford, use published pricing as a budget screen; the actual quote still decides the cost comparison.

### Who Underwrites the Policy

Pie identifies itself as an intermediary placing coverage with unnamed carrier partners, rather than the underwriter for this line. [1](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") The Hartford's professional liability page describes the policy as its own, protecting businesses against claims of negligence, misrepresentation, inaccurate advice and related copyright infringement, without a separate broker-placement description. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")

### Who Each Company Targets

Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors and real estate agents as professionals who often carry E&O. [1](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") The Hartford names accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals, and ties eligibility to businesses that sign contracts requiring coverage or regularly give advice to clients. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")

## What Should You Confirm in Pie Insurance and The Hartford Professional Liability (E&O) Insurance Quotes?

- Ask The Hartford which of its five priced products applies to your profession, since the average minimums vary widely. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")
- Ask Pie for its actual quoted premium and limit options, and which specific carrier partner would issue the policy. [1](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")
- Ask whether an extended reporting period is available from The Hartford if you switch professions or policies later. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")
- Confirm whether criminal-prosecution defense is excluded on your Pie policy, since its page notes that exclusion. [1](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")

## Pie Insurance vs The Hartford Professional Liability (E&O) Compared

| Criteria | Pie Errors and Omissions Insurance | The Hartford Professional Liability Insurance (Errors & Omissions) |
| --- | --- | --- |
| Who It’s For | Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors, and real estate agents as professionals who often carry E&O insurance, and notes some states or clients require proof of coverage. [1](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list..) | The Hartford targets professional liability at businesses that sign contracts requiring coverage, offer professional services directly to customers, or regularly give advice to clients, and lists industries it covers: accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23..) |
| Coverage Features | Pie describes errors and omissions insurance, also called professional liability insurance, as covering legal fees, costs, and damages for claims that a business's advice or services caused harm, including claims of inaccurate advice, misrepresentation, negligence, or violation of good faith, but says it does not protect against criminal prosecution. [1](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions..) | The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls..) |
| Role in This Line | Pie says it helps small businesses get the best errors and omissions coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. [1](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23..) | The Hartford's professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses when they make mistakes in the professional services provided to clients, including claims that turn out to be baseless. [2](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23..) |

## About Pie Insurance and The Hartford and Professional Liability (E&O)

- [Pie Insurance company profile](https://spot.insure/insurance-providers/pie-insurance) · [Pie Insurance customer reviews](https://spot.insure/insurance-providers/pie-insurance/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions)

## Related Pages for Pie Insurance vs The Hartford

- [Pie Insurance vs The Hartford](https://spot.insure/compare/pie-insurance-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/pie-insurance/professional-errors-omissions)
- [The Hartford Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/the-hartford/professional-errors-omissions)

## Sources for Pie Insurance vs The Hartford

### Sources About Pie Insurance

1. [Errors and Omissions Insurance](https://www.pieinsurance.com/errors-and-omissions-insurance). Pie Insurance; Errors and Omissions Insurance hero: also known as professional liability insurance...; professions that often carry E&O; What's typically covered by errors and omissions insurance? Inaccurate advice, Misrepresentation, Negligence, Violation of good faith; Make sure you're covered: Start now. Accessed 2026-09-23.

### Sources About The Hartford

2. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; What Is Professional Liability Insurance Coverage?; What Does Professional Liability Insurance Cover?; Who Needs Professional Liability Insurance Coverage?; How Much Does Professional Liability Insurance Cost?; How Does Professional Liability Insurance Work? (claims-made vs. occurrence). Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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