Counterpart vs Techinsurance: Professional Liability / E&O Insurance

TechInsurance says its standalone E&O uses a claims-made trigger; Counterpart names separate occupation programs and illustrative limits for selected classes.

Sources reviewed

01
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
02
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
03
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
04
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
05
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
06
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
07
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
08
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
09
Errors & Omissions (E&O) Insurance
TechInsurance · What does errors and omissions insurance cover? (professional negligence, errors or incomplete work, breach of contract, missed deadlines, misrepresentation, communication challenges); How much does E&O insurance cost?; Who should get errors and omissions insurance coverage?; How does E&O insurance coverage work? (claims-made) · accessed 2026-09-23
10
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
11
Get business insurance
U.S. Small Business Administration · Six common types of business insurance table · accessed 2026-09-16

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

Trigger and Continuity

TechInsurance says its E&O policies are claims-made: the policy must be active when the incident occurred and when the claim is filed, and it advises maintaining coverage or setting a retroactive date for past work. Counterpart’s program pages identify different professions but do not state one trigger shared by all products. A buyer should compare the trigger and retroactive date on the actual Counterpart form with the TechInsurance proposal. [6] [3] [2] [5] [9]

Standalone Product and Class Fit

TechInsurance describes E&O as a standalone policy arranged for businesses providing professional services or advice; Counterpart separates miscellaneous, A&E/contractor, allied-health and lawyer programs and gives selected sample limits. These catalogue structures may help frame a submission, but they do not establish eligibility for mixed services. Request the exact form and compare covered work, exclusions and the quote-specific schedule. [6] [3] [2] [5] [9]

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

TechInsurance: confirm the retroactive date and how a threatened claim must be reported under the quoted policy. Counterpart: ask which occupation form applies and what trigger, limit and retention it contains. [6] [5] [9]

Areas of coverage

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 ↗

TechInsurance

role: TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. Errors and omissions product page.company-reportedSource ↗
insurer: The reviewed page does not name the issuing insurer for an E&O policy. Errors and omissions product page as read on 2026-09-23.not-disclosedSource ↗
coverage: TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. Errors and omissions product page; general policy description, not a specific policy form.company-reportedSource ↗
coverage: TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section.company-reportedSource ↗
limits: TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.company-reportedSource ↗
eligibility: TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. Errors and omissions product page, Who should get errors and omissions insurance coverage? section.company-reportedSource ↗
claims: TechInsurance says that if a client threatens to sue, you contact your carrier directly, provide policy information and explain the circumstances, and the insurer's representative helps determine next steps. Errors and omissions product page, How does E&O insurance coverage work? section.company-reportedSource ↗