Coalition vs Corgi: Professional Liability / E&O Insurance

With Coalition, professional liability only comes as an add-on to an Active Cyber quote. Corgi targets Miscellaneous E&O at service businesses generally, quoted in 1 to 14 days outside its instant-quote flow.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-29

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

What the Published Detail Covers

Coalition describes defense costs, settlements, judgments and other E&O expenses under duty-to-defend wording, even when you are not ultimately at fault. [1] Corgi's reviewed listing gives only a one-sentence description and no policy form, exclusions or limit. [5] Coalition offers more detail to assess before requesting terms.

Claims Handling

Coalition says its in-house claims team manages MPL and cyber claims together. [1] Corgi's reviewed pages do not describe claims handling for Miscellaneous E&O. [3] Ask Corgi who handles a claim before buying.

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

  • Ask Corgi for its limit, policy wording and issuing insurer; its reviewed pages do not publish these details. [4]
  • Ask Coalition whether you must buy Active Cyber to add MPL. [1]
  • Ask Corgi for its expected turnaround within the stated 1-to-14-day range. [5]
  • Request Coalition's insurer and policy form in writing. [2]

Coalition requires Active Cyber for its E&O add-on; Corgi offers standalone miscellaneous E&O with a stated 1–14 day turnaround.

Sources reviewed

  1. 01
    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

  2. 02
    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

  3. 03
    Corgi Insurance: Startup Insurance, Quoted in Minutes

    Corgi Insurance · Explore Our Main Policies list: "1-14 days turnaround Miscellaneous E&O" card, alongside Real Estate E&O and Lawyer E&O as separate professional-liability products · accessed 2026-09-23

  4. 04
    Disclaimers & Licensing

    Corgi Insurance · Carrier Financial Strength; How Insurance Is Provided Through Corgi; Specialty Insurance Carrier and Underwriting Disclosures · accessed 2026-09-23

  5. 05
    Startup Insurance | Corgi Insurance

    Corgi Insurance · Specialized Coverages section: "1-14 days turnaround Miscellaneous E&O — Broad professional liability coverage for service-based businesses facing claims of negligence, errors, or failure to perform professional services." · 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

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 ↗

Corgi

  • role: Corgi lists Miscellaneous E&O as a specialty coverage quoted with a 1-14 day turnaround, separate from its instant-quote Tech & AI Liability product and from its Real Estate E&O and Lawyer E&O products, which target specific professions. Homepage and startup-insurance page policy-card labeling as of 2026-09-23. No dedicated product page was found; direct URL guesses (/miscellaneous-errors-and-omissions, /misc-eo) returned 404s.company-reportedSource ↗Source ↗
  • coverage: Corgi describes Miscellaneous E&O as broad professional liability coverage for service-based businesses facing claims of negligence, errors, or failure to perform professional services, distinct from its named Tech E&O, Real Estate E&O, and Lawyer E&O products. One-sentence catalog description; no policy form, insuring agreement, exclusion, or claims-made/occurrence trigger is published for this line.company-reportedSource ↗Source ↗
  • eligibility: Corgi targets Miscellaneous E&O at service-based businesses generally, positioned as a catch-all for professional-liability exposure not covered by its technology-, real-estate-, or legal-specific E&O products. Catalog description; no industry, size, or state restrictions are published for this line.company-reportedSource ↗Source ↗
  • insurer: No page names the carrier that issues Miscellaneous E&O coverage. Corgi's general disclosures say coverage may be underwritten by affiliated carriers, including Technology Risk Retention Group, or by third-party partner carriers depending on product, jurisdiction, and risk profile, without identifying which applies to this line. Disclaimers page general underwriting disclosure, checked for a line-specific statement and finding none as of 2026-09-23.not-disclosedSource ↗
  • limits: No limit, retention, or illustrative policy structure is published for Miscellaneous E&O, unlike Corgi's Tech E&O and Umbrella pages, which show example limits. Reviewed pages as of 2026-09-23; limits would appear on an actual quote.not-disclosedSource ↗Source ↗
  • application: Miscellaneous E&O sits outside Corgi's instant-quote flow; the site groups it with policies quoted in 1-14 days rather than through the self-serve online application used for its core coverages. Homepage and startup-insurance page policy-card labeling.company-reportedSource ↗Source ↗
  • services: The reviewed pages do not describe risk-management or claims-handling services specific to Miscellaneous E&O policyholders. Homepage and startup-insurance page as read on 2026-09-23; general claims-handling disclosures on the disclaimers page are not specific to this line.not-foundSource ↗Source ↗

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