What Are the Key Differences Between Coalition and Insureon Professional Liability (E&O) Insurance?
MPL Requires Active Cyber
Coalition’s MPL is available only with certain Active Cyber Insurance policies and is sold through appointed brokers, so the buyer must consider both the cyber placement and the E&O addition. Insureon markets professional liability through a small-business quote channel and describes claims arising from alleged professional mistakes or unsatisfactory work. If you already have a cyber policy, ask whether Coalition’s eligibility and bundling requirements can be met; with Insureon, ask what policy structure accompanies the quote. [1] [5]
One Claims Contact for MPL and Cyber
Coalition lists defense costs, settlements, judgments, and other expenses for professional-services claims, and says its in-house team handles MPL and cyber claims together. Insureon’s overview describes the E&O exposure but does not outline claims handling or the policy’s defense structure. Buyers who value one claims contact across cyber and MPL can ask Coalition how that works for a claim touching both coverages; Insureon buyers should request the claims instructions and defense wording for their proposed policy. [1] [5]
Broker-Only Add-On
Coalition’s add-on requires the Active Cyber quote and broker channel, while Insureon gives buyers an online quote request. Neither overview names the issuing insurer for a particular E&O placement or publishes the limits and retentions that would apply. Compare the forms and ask whether defense costs reduce the limit. [1] [5]