Coterie vs Hub International: Professional Liability / E&O Insurance

HUB International sends you to a broker who customizes E&O by size, industry and desired limits, with no online quote. Coterie Insurance publishes fixed limits from $25,000 to $1,000,000, also available only through agents and brokers.

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

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

Contractors and Profession-Specific Terms

HUB says its E&O placements can extend to independent contractors and temporary staff and may include prior-acts and tail coverage. [4] Coterie sets terms by profession across dozens of eligible categories, with occupation-specific exclusions, including some services excluded for barbers and beauticians. [2] If you rely on contractors, ask HUB how the policy responds; if your work has a Coterie-listed exclusion, ask whether it applies to your exact service.

Claims Reporting

HUB directs policyholders to notify their broker and insurer promptly and submit an incident narrative. [4] Coterie's brochure does not describe its claims-notification process. [2]

Published Limits

Coterie publishes per-claim options from $25,000 to $1 million, with aggregates two or three times the per-claim amount. [2] HUB describes per-claim and aggregate limits but does not publish figures. [4]

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

  • Ask HUB whether contractors and temporary staff are covered and request the per-claim and aggregate limits. [4]
  • Ask an agent whether Coterie excludes any of your specific services. [2]
  • Ask both for the insurer, deductible and full wording. [5] [2]
  • Ask Coterie which reporting period and prior-acts terms apply. [2]

HUB describes coverage for independent contractors and temporary staff plus prior-acts and tail options; Coterie publishes profession-specific exclusions and limits from $25,000 to $1 million.

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
    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

  4. 04
    Errors and Omissions (E&O) Insurance Coverage

    HUB International · Industries served list including accounting, architecture, creative, dental, engineering, financial, medical, media and technology; prior-acts coverage; claims-made structure with per-claim and aggregate limits and tail coverage; claims-notification steps · accessed 2026-09-23

  5. 05
    Professional Liability Insurance Brokers

    HUB International · What is professional liability?; Who Needs Professional Liability Insurance Coverage?; How Can You Limit Your Exposure to Professional Liability?; exclusions; Connect With a Broker · accessed 2026-09-23

  6. 06
    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

  7. 07
    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

  8. 08
    Get business insurance

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

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 ↗

HUB International

  • role: HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting the coverage itself. Professional liability and E&O product pages as read 2026-09-23; neither names an issuing insurer.company-reportedSource ↗Source ↗
  • coverage: HUB says professional liability/E&O policies it arranges can cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful business practices, misleading advice and conflict of interest, plus libel, slander or lost-profit claims; intentional acts and employment claims are typically excluded. Product-page coverage description; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
  • eligibility: HUB names accounting, law, medical, financial-advisory, real estate, architecture and engineering, consulting, and contracting businesses as typical E&O buyers, and separately lists technology among nine industries its E&O practice serves. Combined professional-liability and E&O industry lists; not a published underwriting appetite by state.company-reportedSource ↗Source ↗
  • coverage: HUB says E&O policies are typically claims-made with per-claim and aggregate limits, can be structured with prior-acts coverage back to a retroactive date, and can offer tail coverage for an extended reporting period; coverage can extend to independent contractors and temporary staff performing work for the business. E&O product-page structure description; specific limits and retroactive dates are set on the quote and declarations.company-reportedSource ↗
  • insurer: Neither the professional liability nor the E&O product page names an issuing insurer; HUB places this coverage with insurers that vary by client and placement. Checked both pages on 2026-09-23; no carrier is disclosed on either.not-foundSource ↗Source ↗
  • claims: HUB's E&O page tells policyholders to notify their broker and carrier as soon as possible after an incident and submit documentation including a narrative of the events leading up to the claim. E&O product-page claims-notification guidance; a general process description, not an outcome measurement.company-reportedSource ↗
  • application: HUB directs prospects to connect with a broker; the pages describe professional liability/E&O policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. Product-page call to action and customization description as read 2026-09-23.company-reportedSource ↗Source ↗

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

Contact Kearny Risk