What Are the Key Differences Between Coalition and Liberty Mutual Professional Liability (E&O) Insurance?
Where the E&O sits
Coalition describes miscellaneous professional liability as an addition to certain Active Cyber policies, not a standalone purchase. Liberty Mutual’s specialty directory names Physicians & Surgeons Professional and marks it “PL Only.” A service firm shopping for E&O without a cyber placement should ask whether its risk can meet Coalition’s stated product route; a clinical practice should ask Liberty Mutual’s administrator about the named program. Neither listing establishes acceptance of a particular applicant. [1] [5]
What the public coverage description establishes
Coalition says its MPL responds to professional-service error and omission allegations with defense costs, settlements, judgments and other expenses under a duty-to-defend approach. Liberty Mutual’s directory identifies a professional-liability-only physician program, but the listing does not establish the form’s insuring agreement. Compare the proposed definitions and defense provisions before treating the products as equivalent. The difference is a detailed MPL description versus a specialty-program name, not evidence that Liberty Mutual’s form lacks any particular protection. [1] [5]