CNA vs Coterie: Professional Liability / E&O Insurance

Coterie Insurance lists dozens of eligible professions and sells only through agents and brokers, with limit options from $25,000 to $1 million. CNA's Epack 3 combines technology and professional liability with cyber and media.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-10-01

What Are the Key Differences Between CNA and Coterie Insurance Professional Liability (E&O) Insurance?

Claims-Made Terms and Available Limits

Coterie describes claims-made MPL for financial or economic harm from professional services, with per-claim limits up to $1 million, aggregate multiples, a 60-day basic reporting extension, and purchased extensions. CNA describes Epack 3 and EPS Plus as separate combinations of E&O with other lines. Compare Coterie’s reporting choices with the CNA package schedule and ask how the proposed forms treat defense costs and aggregate limits. [4] [1]

Eligible Services and Geography

Coterie lists many eligible professions, including accounting, architecture and engineering, HR consulting, property management, and technology services, with profession-specific exclusions; its material says the product is unavailable in DC, IL, MA, MT, ND, and VA. CNA describes non-licensed MPL for classes such as consultants and advertising firms, while directing technology businesses to Technology E&O. Check your service description and state before treating either category as a match. [4] [1]

What Should You Confirm in CNA and Coterie Insurance Professional Liability (E&O) Insurance Quotes?

  • Ask Coterie whether your profession and state qualify and what retroactive date and reporting period apply. [4]
  • Ask CNA whether its MPL or Technology E&O form covers your services and what limits are available. [1]

Coterie’s brochure lists per-claim limit choices up to $1 million, aggregate multiples, a 60-day basic reporting extension, and purchased extensions. CNA names target non-licensed MPL classes.

Sources reviewed

  1. 01
    Cyber Insurance - Cyber Risk Solutions

    CNA · Current U.S. page: Epack 3 combines cyber, media, technology and professional liability; MPL appetite, media support, technology E&O, claims and risk-control descriptions. Retrieved 2026-09-30. · accessed 2026-09-30

  2. 02
    Epack 3 – Cyber, Media, Technology & Professional Liability

    CNA · Official sell sheet: modular bundled policy, media coverages and possible extensions, technology/professional line descriptions and quote process for small risks. Marketing summary expressly defers to issued policy. Retrieved 2026-09-30. · accessed 2026-09-30

  3. 03
    Coterie Insurance small business products overview

    Coterie Insurance · Product line overview page listing Professional Liability among Coterie's coverages · accessed 2026-09-23

  4. 04
    Miscellaneous Professional Liability (MPL) Policy Overview & Product Highlights for Agents and Brokers

    Coterie Insurance · Policy overview paragraph; Eligible Professions list; 'Currently unavailable in: DC, IL, MA, MT, ND, and VA'; Professional Liability Limits of Insurance table; Claims-Made Policy Form / Retroactive Date / Extended Reporting Period definitions; Mandatory Countrywide PL Policy Forms; Base Form Exclusions · accessed 2026-09-23

  5. 05
    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

  6. 06
    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

  7. 07
    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

  8. 08
    Get business insurance

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

Areas of coverage

CNA

  • role: CNA describes Epack 3 as combining technology and professional liability with cyber and media in a modular policy; EPS Plus combines E&O and cyber for professional-services firms. These are separate product routes and are not evidence that technology E&O and miscellaneous E&O share identical wording.company-reportedSource ↗Source ↗
  • eligibility: CNA says its Miscellaneous Professional Liability targets non-licensed professional classes such as consultants, staffing firms, advertising agencies and event planners. The listed classes are a target list, not a complete or guaranteed eligibility rule.company-reportedSource ↗
  • coverage: CNA markets Technology E&O for technology businesses facing professional-liability exposures and says it is intended to support contractual requirements. The page is a summary and does not define covered services, contract exceptions or policy triggers.company-reportedSource ↗
  • services: CNA describes dedicated claims and risk-control support for its cyber, media, technology and professional-liability business. This portfolio-level statement does not establish a service outcome or a line-specific claims protocol.company-reportedSource ↗

Coterie Insurance

  • role: Coterie writes Miscellaneous Professional Liability (MPL) as a claims-made policy sold through agents and brokers to protect a small-business client against third-party claims for errors or omissions in their professional services. MPL brochure policy-overview paragraph.company-reportedSource ↗
  • insurer: The MPL brochure names the policy form 'Coterie Professional Liability Errors and Omissions Insurance Declarations' (form code CTPL CWW PL) but does not name the issuing insurer; that appears only on the policy declarations. MPL brochure 'Mandatory Countrywide PL Policy Forms' table.company-reportedSource ↗
  • eligibility: Coterie lists dozens of eligible professions for MPL, including accounting services, architects and engineers, bookkeeping, human resources consulting, interior design, property management, real estate agents/brokers, and technology services/IT consulting, each with profession-specific exclusions in some cases (for example, barbers/beauticians exclude services like electrolysis and tattoo services). MPL brochure 'Eligible Professions' and 'Eligible Professions (Continued)' lists.company-reportedSource ↗
  • eligibility: Coterie says MPL is available in most states but is currently unavailable in DC, IL, MA, MT, ND, and VA. MPL brochure 'MPL unavailable' note.company-reportedSource ↗
  • coverage: Coterie's MPL policy covers economic or financial (non-physical) damages arising from wrongful acts in professional services, such as faulty reports or verbal advice that cause a client financial loss; it is written on a claims-made basis covering incidents reported during the policy period or an extended reporting period, occurring after the policy's retroactive date. MPL brochure policy overview and 'Professional Liability Limits of Insurance' definitions.company-reportedSource ↗
  • coverage: Coterie's MPL base form excludes bodily injury or property damage claims, fraud or intentional wrongful acts, wrongful termination or discrimination claims, and claims based on contractual liability assumed beyond what would exist without the contract, among other listed exclusions. MPL brochure 'Professional Liability Policy Base Form Exclusions' list.company-reportedSource ↗
  • limits: Coterie offers MPL each-claim limits of $25,000, $50,000, $250,000, $500,000, or $1,000,000, with the aggregate set at two times the each-claim limit (three times for the $1,000,000 option); the basic policy includes a 60-day extended reporting period, with optional purchased extensions of 1 to 6 years, and up to 6 years of prior-acts (retroactive) coverage. MPL brochure 'Available Limits' table and 'Extended Reporting Period'/'Retroactive Date' definitions.company-reportedSource ↗
  • application: MPL is distributed only through agents and brokers using Coterie's quoting platform; the reviewed brochure does not describe a direct-to-business application path. MPL brochure framing as 'for Agents and Brokers'.company-reportedSource ↗

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