Coterie vs Gallagher: Professional Liability / E&O Insurance

Gallagher Small Business places E&O with partner carriers and offers an online form, an advisor phone line and scheduled callbacks. Coterie Insurance's policy comes only through agents and brokers, with limits from $25,000 to $1,000,000.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-25

Areas of coverage

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 ↗

Gallagher

  • role: Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. Gallagher Small Business's direct-to-small-business E&O product page.company-reportedSource ↗
  • coverage: Gallagher describes E&O as protecting against client charges of negligence or injury tied to professional services, covering losses, attorney fees and court costs regardless of fault, and specifically responding to alleged or actual negligence, personal injury, copyright infringement, punitive damages, and claims against past work, temporary staff or independent contractors. Product page coverage description; the issued policy and its exclusions control. Note this record excludes medical malpractice, which the page treats as a separate specialized coverage covered under its own line.company-reportedSource ↗
  • eligibility: Gallagher recommends E&O for small businesses that provide a specific professional service, naming technology, insurance, accounting, tax, wealth management and legal services, and lists doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers as example professionals; it also notes that many client contracts require carrying E&O. Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting.company-reportedSource ↗
  • coverage: Gallagher's small-business team says the E&O market has seen consistent rate increases that have started to moderate, driven by higher claim frequency, litigation costs and a more litigious environment, and that insurers are more selective and require more detailed underwriting information. Product page market-commentary section; a general market view, not a quote for any specific business.company-reportedSource ↗
  • insurer: The E&O product page does not name the insurer that would issue a given business's policy. Checked the E&O product page on 2026-09-23.not-disclosedSource ↗
  • limits: The E&O product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. Checked the E&O product page on 2026-09-23.not-disclosedSource ↗
  • application: Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start an E&O quote. Product page "Get Covered Now" section.company-reportedSource ↗

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

Published Terms Versus Brokered Quote

Coterie publishes per-claim limits from $25,000 to ---

million, aggregates of two or three times that amount, a 60-day reporting extension and optional one- to six-year extensions. [2] Gallagher publishes no limits, deductibles or premiums because it arranges coverage with partner carriers. [3] Choose Coterie to screen against published limits; choose Gallagher if you want an advisor to shop a partner-carrier quote.

Eligible Businesses

Coterie lists dozens of professions and flags profession-specific exclusions, with MPL unavailable in six listed jurisdictions. [2] Gallagher targets small professional-service businesses including technology, accounting, legal, medical and engineering firms. [3] Check your exact services and state before comparing price.

Buying and Claims Structure

Coterie distributes its claims-made MPL only through agents and brokers using its quoting platform. [2] Gallagher offers an online form, advisor phone line and scheduled callback, while its page names coverage for past work, temporary staff and independent contractors. [3]

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

  • Ask each provider to name the insurer and supply the policy form. [2] [3]
  • Compare limits, deductibles, retroactive dates and extended-reporting options. [2] [3]
  • Confirm profession-specific exclusions and state availability. [2] [3]

Coterie publishes per-claim limits from $25,000 to $1 million plus reporting-period options; Gallagher starts partner-carrier E&O quotes online or through an advisor.

Sources reviewed

  1. 01
    Coterie Insurance small business products overview

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

  2. 02
    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

  3. 03
    Errors and Omissions Insurance

    Gallagher Small Business · What is Errors and Omissions Insurance?; Do you need Errors and Omissions insurance?; Recommended for professionals including; E&O trends; An E&O policy protects you from; Consider this claim scenario; Get Covered Now · accessed 2026-09-23

  4. 04
    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

  5. 05
    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

  6. 06
    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

  7. 07
    Get business insurance

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

Ask Kearny Risk to help relate this comparison to your services and contracts.

Contact Kearny Risk