Coalition vs Counterpart: Professional Liability / E&O Insurance

Coalition sells professional liability only with an Active Cyber quote. Counterpart distributes through wholesale brokers and runs distinct programs for miscellaneous professionals, architects and engineers, allied healthcare and lawyers.

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 Coalition and Counterpart Professional Liability (E&O) Insurance?

Program Structure and Professional Fit

Coalition describes miscellaneous professional liability as an add-on to certain Active Cyber policies, with a few extra questions in the cyber application. Counterpart lists separate programs for miscellaneous professionals, architects/engineers/contractors, allied healthcare and lawyers. A buyer seeking Coalition MPL must also qualify for its Active Cyber policy; a buyer comparing Counterpart should identify the listed program that fits the profession, since its line page names multiple classes. [1] [8] [5] [4] [7]

Claims Handling and Limit Choices

Coalition says its in-house claims team handles MPL and cyber claims together. Counterpart describes modular limits for selected professions and says its products are distributed through wholesale brokers. Ask whether Coalition's claims process applies to the MPL endorsement and whether Counterpart's quote gives E&O a separate limit. [1] [8] [3]

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

  • Coalition: confirm cyber eligibility, MPL limit and whether one aggregate is shared. Counterpart: identify the profession-specific form, limit and retention for your service. [1] [8] [7]

Coalition offers miscellaneous E&O only with qualifying Active Cyber Insurance; Counterpart lists distinct E&O programs for miscellaneous, engineering, healthcare and legal professions.

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
    How can I get insurance through Counterpart?

    Counterpart Knowledge Center · Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. · accessed 2026-09-28

  4. 04
    Allied Medical & Healthcare Liability

    Counterpart, Inc. · Retained provider source: names allied healthcare classes, combined coverage/enhancements and illustrative limits/examples; does not establish conventional malpractice for every medical profession or standalone general liability. Prior access 2026-09-28; direct reopen failed in this session. · accessed 2026-09-28

  5. 05
    Architects, Engineers, & Contractors Liability

    Counterpart, Inc. · Retained provider source: A&E/contractor class examples, services, enhancements and illustrative limits; prior access 2026-09-28. · accessed 2026-09-28

  6. 06
    Counterpart | Agentic Insurance™

    Counterpart, Inc. · Retained provider source: footer states insurance products are offered by Counterpart Insurance Services, Inc., described as a licensed producer and surplus-lines broker; product/state availability varies, issuer not mapped by product/state. Prior access 2026-09-29. · accessed 2026-09-29

  7. 07
    Lawyers Professional Liability Insurance

    Counterpart, Inc. · Reopened 2026-09-30: page lines 4–8 names lawyer-focused product; lines 236–272 company-stated geographic reach, modular liability limit examples, professional services, technology/media extensions and GL alongside professional cover. Product terms remain policy-specific. · accessed 2026-09-30

  8. 08
    Professional & General Liability

    Counterpart, Inc. · Reopened 2026-09-30: page lines 4–8 says MPL may be purchased alone or packaged with GL; lines 208–245 describe industries and coverage examples; lines 251–283 describe risk assessment, quoting channels and underwriter access. Marketing page, not binding terms. · accessed 2026-09-30

  9. 09
    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

  10. 10
    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

  11. 11
    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

  12. 12
    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 ↗

Counterpart

  • role: Counterpart describes its product distribution through Counterpart Insurance Services, Inc. and wholesale brokers. The cited marketing pages do not identify the insurer for a particular professional-liability risk or state.company-reportedSource ↗Source ↗
  • eligibility: Counterpart lists distinct professional-liability programs for miscellaneous professionals, architects/engineers/contractors, allied healthcare and lawyers. Each page has its own occupation scope; no single eligibility rule applies across all four products.company-reportedSource ↗Source ↗Source ↗Source ↗
  • coverage: The Lawyers Professional Liability page describes claims arising from lawyers’ professional services; the MPL page gives service-related negligence and financial-loss examples. These are distinct program summaries and do not establish identical policy triggers or coverages.company-reportedSource ↗Source ↗
  • limits: Counterpart says its professional pages support modular limits and presents sample limits and retentions for selected professions. Published examples are illustrative, not terms available to a particular applicant.company-reportedSource ↗Source ↗

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