Pie Insurance vs Techinsurance: Professional Liability / E&O Insurance

TechInsurance names IT, software, cybersecurity and SaaS firms and reports a median E&O cost of $88 a month; Pie Insurance is an intermediary for small businesses, naming architects, contractors, attorneys and consultants among professionals who often carry E&O.

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

TechInsurance publishes an $88 monthly median and explains claims-made terms; Pie publishes no E&O premium figures and asks buyers to contact the company for a quote.

Sources reviewed

  1. 01
    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

  2. 02
    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

  3. 03
    Errors and Omissions Insurance

    Pie Insurance · Errors and Omissions Insurance hero: also known as professional liability insurance...; professions that often carry E&O; What's typically covered by errors and omissions insurance? Inaccurate advice, Misrepresentation, Negligence, Violation of good faith; Make sure you're covered: Start now · accessed 2026-09-23

  4. 04
    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

  5. 05
    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

  6. 06
    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 Pie Insurance and TechInsurance Professional Liability (E&O) Insurance?

Published Price and Policy Guidance

TechInsurance's page names technology and other professional audiences and explains that its E&O policy uses claims-made coverage. [4] Pie's reviewed page gives no comparable premium figure, so you need a quote to compare its price. [3]

Claims-Made Mechanics

TechInsurance's page explains that 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 a retroactive date to cover past work. [4] Pie's page describes what the policy pays for, including legal fees and damages for claims of inaccurate advice or negligence, but does not address whether coverage is claims-made or occurrence. [3]

How You Start a Quote

Pie directs errors and omissions buyers to contact the company to start a quote through its website, without describing a self-serve online path for this line. [3] TechInsurance arranges E&O as a standalone policy and publishes both a cost estimate and a description of how a claim gets reported once you're covered. [4]

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

  • Ask Pie for its actual quoted premium and any available limit options, since its page publishes none. [3]
  • Ask TechInsurance how your industry, limit, deductible, employee count and claims history move you away from the published $88 monthly median. [4]
  • Ask Pie whether its policy is claims-made or occurrence, and whether a retroactive date applies. [3]
  • Neither reviewed page names the issuing insurer; ask both companies directly. [3] [4]

Areas of coverage

Pie Insurance

  • role: Pie says it helps small businesses get the best errors and omissions coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. Errors and Omissions product page as read on 2026-09-23.company-reportedSource ↗
  • insurer: The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's errors and omissions product. Errors and Omissions product page as read on 2026-09-23.not-disclosedSource ↗
  • coverage: Pie describes errors and omissions insurance, also called professional liability insurance, as covering legal fees, costs, and damages for claims that a business's advice or services caused harm, including claims of inaccurate advice, misrepresentation, negligence, or violation of good faith, but says it does not protect against criminal prosecution. Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.company-reportedSource ↗
  • eligibility: Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors, and real estate agents as professionals who often carry E&O insurance, and notes some states or clients require proof of coverage. Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list.company-reportedSource ↗
  • application: Pie directs errors and omissions buyers to contact the company to start a quote through its website. Errors and Omissions product page as read on 2026-09-23.company-reportedSource ↗
  • limits: The reviewed page does not publish limits, deductibles, or premium ranges for errors and omissions coverage. Errors and Omissions product page as read on 2026-09-23.not-disclosedSource ↗

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 ↗

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