--- title: "Coalition Professional Liability (E&O) Insurance" description: "What Coalition Professional Liability (E&O) Insurance covers, who it’s for, and how to apply, cited to Coalition’s own published sources." canonical: "https://spot.insure/insurance-providers/coalition/professional-errors-omissions" page-type: "offering-page" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/coalition/professional-errors-omissions) # Coalition Professional Liability (E&O) Insurance Coalition Miscellaneous Professional Liability (MPL) Coalition designs and distributes MPL as an add-on coverage that combines with certain Active Cyber Insurance policies, sold through appointed brokers. [1](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") (Evidence: Company-reported; scope: Miscellaneous Professional Liability product page as read on 2026-09-23.) ## Issuing Insurer - **Not publicly disclosed.** Coalition's disclaimer page has named sections for admitted cyber, non-admitted cyber, and admitted executive risk, but no equivalent 'Admitted MPL' section, indicating MPL is placed on a non-admitted (surplus lines) basis with unaffiliated insurers the disclaimer does not name. [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Scope: U.S. Disclaimers page as read on 2026-09-23; the buyer's declarations page names the actual issuing insurer.) ## Who It’s For - Coalition markets MPL to any business that performs professional services, naming examples such as consultants, marketing and PR firms, staffing firms, printers, interior decorators, photographers and videographers, and property managers. [1](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") (Evidence: Company-reported; scope: Miscellaneous Professional Liability product page as read on 2026-09-23.) ## Coverage Features - Coalition says MPL covers defense costs, settlements, judgments, and other expenses from claims of errors and omissions in professional services, including negligence, failure to provide service, and misstatements about the service performed, on a duty-to-defend basis even when the business is not ultimately at fault. [1](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") (Evidence: Company-reported; scope: Miscellaneous Professional Liability product page as read on 2026-09-23; the issued policy controls actual terms.) ## How to Apply - Coalition sells MPL only as an addition to an Active Cyber Insurance quote, saying it takes just a few extra questions to add, rather than as a stand-alone policy. [1](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") (Evidence: Company-reported; scope: Miscellaneous Professional Liability product page as read on 2026-09-23.) ## Claims Support - Coalition says its in-house claims team manages both MPL and cyber claims in one place, which it describes as a smoother, more coordinated process for the policyholder. [1](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") (Evidence: Company-reported; scope: Miscellaneous Professional Liability product page as read on 2026-09-23; speed and efficiency descriptions are company-reported and not independently verified.) ## Coalition Professional Liability (E&O) Insurance Compared - [Coalition vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-coalition/professional-errors-omissions) - [Coalition vs At-Bay](https://spot.insure/compare/at-bay-vs-coalition/professional-errors-omissions) - [Coalition vs Beazley](https://spot.insure/compare/beazley-vs-coalition/professional-errors-omissions) - [Coalition vs CFC](https://spot.insure/compare/cfc-vs-coalition/professional-errors-omissions) - [Coalition vs Chubb](https://spot.insure/compare/chubb-vs-coalition/professional-errors-omissions) - [Coalition vs Corgi](https://spot.insure/compare/coalition-vs-corgi/professional-errors-omissions) ## Other Coalition Coverage Lines - [Coalition Crime Insurance](https://spot.insure/insurance-providers/coalition/crime) - [Coalition Cyber Insurance](https://spot.insure/insurance-providers/coalition/cyber) - [Coalition D&O Insurance](https://spot.insure/insurance-providers/coalition/directors-officers) - [Coalition Employment Practices Liability Insurance](https://spot.insure/insurance-providers/coalition/employment-practices) - [Coalition Fiduciary Liability Insurance](https://spot.insure/insurance-providers/coalition/fiduciary) - [Coalition Tech E&O Insurance](https://spot.insure/insurance-providers/coalition/technology-errors-omissions) ## Related - [Coalition Profile](https://spot.insure/insurance-providers/coalition) - [Coalition Reliability](https://spot.insure/insurance-providers/coalition/reliability) - [Coalition Alternatives](https://spot.insure/insurance-providers/coalition/alternatives) - [Coverage Guide: Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) ## Sources 1. [Miscellaneous Professional Liability](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance). Coalition; Why Miscellaneous Professional Liability?; MPL Advantage; What does MPL cover?; What types of claims does MPL protect against?; What types of businesses could benefit from MPL?; Why does 'Duty to Defend' coverage matter? Accessed 2026-09-23. 2. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted Executive Risk (names Zurich American Insurance Company, NAIC 16535); no 'Admitted MPL' or 'Admitted Tech E&O' section appears on the page. Accessed 2026-09-23. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/coalition/professional-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)