Berkshire Hathaway Specialty Insurance vs Coalition: Professional Liability / E&O Insurance

Coalition sells miscellaneous professional liability only as an add-on to an Active Cyber Insurance quote, through appointed brokers. Berkshire Hathaway Specialty Insurance names staffing, management consulting, marketing and real-estate firms as targeted customers for that line.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-30

What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Coalition Professional Liability (E&O) Insurance?

What the Published Offering Defines

Berkshire Hathaway Specialty Insurance lists Miscellaneous Professional Liability, Technology E&O and Lawyers Professional Liability among its Professional First lines. Coalition’s MPL has a narrower purchasing structure: it is available only with certain Active Cyber policies through appointed brokers, not as a stand-alone policy. A business should therefore check whether the cyber policy fits before considering Coalition’s E&O addition; with Berkshire Hathaway Specialty Insurance, identify which distinct professional line matches its services. [3] [4]

Buying and Policy Details to Resolve

Coalition says its MPL covers defense costs, settlements, judgments and other expenses for negligence, failure to provide services or misstatements, and its in-house claims team handles MPL and cyber claims together. Berkshire Hathaway Specialty Insurance describes an in-house claims group integrated with underwriting but does not make the same combined-claims statement in the reviewed record. Compare the exact professional-services trigger and ask how claims are coordinated under each placement. [4] [3]

What Should You Confirm in Berkshire Hathaway Specialty Insurance and Coalition Professional Liability (E&O) Insurance Quotes?

  • Does your Coalition Active Cyber policy qualify for the MPL add-on? [3] [4]
  • Which Berkshire Hathaway Specialty Insurance professional form covers your service errors and who handles claims? [3] [4]

Berkshire Hathaway Specialty Insurance lists MPL, technology E&O and lawyers liability in Professional First. Coalition’s MPL is an add-on to eligible Active Cyber policies and covers service-error defense, settlements and judgments.

Sources reviewed

  1. 01
    Professional First Architects, Engineers and Consultants Professional Liability

    Berkshire Hathaway Specialty Insurance · Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement. · accessed 2026-09-28

  2. 02
    Professional First Professional Liability

    Berkshire Hathaway Specialty Insurance · U.S. Professional Liability landing page links Professional Liability / Network Security & Privacy, stand-alone Network Security & Privacy, and Architects, Engineers and Consultants PL, lines 6–15; footer copyright © 2026. · accessed 2026-09-28

  3. 03
    Professional First Professional Liability Overview

    Berkshire Hathaway Specialty Insurance · PDF pp.1–2: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A. · accessed 2026-09-28

  4. 04
    Miscellaneous Professional Liability

    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

  5. 05
    U.S. Disclaimers

    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

  6. 06
    Professional Liability – US Direct Errors and Omissions Insurance

    Hiscox Inc. specimen · About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act · accessed 2026-09-16

  7. 07
    Professional liability insurance

    Insurance Information Institute · Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion) · accessed 2026-09-16

  8. 08
    FAQ: Professional liability insurance

    Texas Department of Insurance · What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies · accessed 2026-09-16

  9. 09
    Get business insurance

    U.S. Small Business Administration · Six common types of business insurance table · accessed 2026-09-16

Areas of coverage

Berkshire Hathaway Specialty Insurance

  • coverage: BHSI’s U.S. Professional First overview identifies Lawyers Professional Liability and Miscellaneous Professional Liability alongside Technology E&O and Media Liability. Portfolio catalogue statement; the specific legal/professional class and form must be selected rather than treating the offerings as one policy.company-reportedSource ↗Source ↗
  • eligibility: The overview names staffing firms, management consultants, marketing firms and real-estate firms as targeted customers for Miscellaneous Professional Liability; it separately lists law-firm size bands for Lawyers Professional Liability. U.S. Professional First target statements; class-specific eligibility only.company-reportedSource ↗
  • coverage: For architects, engineers and consultants, BHSI describes a professional-liability form that also addresses pollution, media, technology and cyber/network-security exposures. This is a specialized design-industry combined form, not generic E&O wording or proof that all risks receive each component.company-reportedSource ↗
  • services: The Professional First overview describes its in-house claims handling group as experienced in complex, high-value claims and integrated with underwriting. Company-reported portfolio-level claim-service description, not independently measured claims performance.company-reportedSource ↗

Coalition

  • role: Coalition designs and distributes MPL as an add-on coverage that combines with certain Active Cyber Insurance policies, sold through appointed brokers. Miscellaneous Professional Liability product page as read on 2026-09-23.company-reportedSource ↗
  • eligibility: 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. Miscellaneous Professional Liability product page as read on 2026-09-23.company-reportedSource ↗
  • coverage: 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. Miscellaneous Professional Liability product page as read on 2026-09-23; the issued policy controls actual terms.company-reportedSource ↗
  • insurer: 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. U.S. Disclaimers page as read on 2026-09-23; the buyer's declarations page names the actual issuing insurer.not-disclosedSource ↗
  • application: 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. Miscellaneous Professional Liability product page as read on 2026-09-23.company-reportedSource ↗
  • claims: 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. Miscellaneous Professional Liability product page as read on 2026-09-23; speed and efficiency descriptions are company-reported and not independently verified.company-reportedSource ↗

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