--- title: "Coterie Insurance Professional Liability (E&O) Insurance" description: "Coterie Insurance sells miscellaneous professional liability (E&O) insurance through agents and brokers to small-business clients in dozens of professions." canonical: "https://thegeneralaverage.com/insurance-providers/coterie/professional-errors-omissions" page-type: "offering-page" updated-at: "2026-09-23" provider: "coterie" coverage-line: "professional-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/insurance-providers/coterie/professional-errors-omissions) ## Agent Guide **What this page is:** What Coterie Insurance Professional Liability (E&O) Insurance covers, who it fits and what to confirm before buying, drawn from the provider's public documents. **Use this page when:** Cite this page for Coterie Insurance Professional Liability (E&O) Insurance specifically. For the general coverage explainer use /coverage/professional-errors-omissions; for the provider overall use its profile. **Questions this page answers:** - Does Coterie Insurance Professional Liability (E&O) Insurance offer this coverage? - What does Coterie Insurance Professional Liability (E&O) Insurance cover and exclude? - Who is Coterie Insurance Professional Liability (E&O) Insurance designed for? **Key facts:** - Provider slug `coterie`; coverage line `professional-errors-omissions`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23. **Related pages:** - [Provider profile](https://thegeneralaverage.com/insurance-providers/coterie) — parent: provider profile # What Does Professional Liability (E&O) Insurance from Coterie Insurance Cover? Product: Coterie Miscellaneous Professional Liability (MPL). Provider: Coterie Insurance. Coverage line: Professional Liability (E&O) Insurance. ## Quick Answer Coterie Insurance sells miscellaneous professional liability (E&O) insurance through agents and brokers to small-business clients in dozens of professions. [1](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf "Miscellaneous Professional Liability (MPL) Policy Overview & Product Highlights for Agents and Brokers") ## Coterie Insurance Professional Liability (E&O) Insurance at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Issuing Insurer | Company-reported | 1 | | Who It’s For | Company-reported | 2 | | Coverage Features | Company-reported | 2 | | Limits and Retentions | Company-reported | 1 | | How to Apply | Company-reported | 1 | ## Coterie Insurance’s Role in Professional Liability (E&O) - 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. [1](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf "Miscellaneous Professional Liability (MPL) Policy Overview & Product Highlights for Agents and Brokers") (Evidence: Company-reported; scope: MPL brochure policy-overview paragraph.) ## Who Issues Coterie Insurance Professional Liability (E&O) Insurance? - 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. [1](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf "Miscellaneous Professional Liability (MPL) Policy Overview & Product Highlights for Agents and Brokers") (Evidence: Company-reported; scope: MPL brochure 'Mandatory Countrywide PL Policy Forms' table.) ## Who Is Coterie Insurance Professional Liability (E&O) Insurance For? - 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). [1](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf "Miscellaneous Professional Liability (MPL) Policy Overview & Product Highlights for Agents and Brokers") (Evidence: Company-reported; scope: MPL brochure 'Eligible Professions' and 'Eligible Professions (Continued)' lists.) - Coterie says MPL is available in most states but is currently unavailable in DC, IL, MA, MT, ND, and VA. [1](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf "Miscellaneous Professional Liability (MPL) Policy Overview & Product Highlights for Agents and Brokers") (Evidence: Company-reported; scope: MPL brochure 'MPL unavailable' note.) ## Coterie Insurance Professional Liability (E&O) Coverage Features - 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. [1](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf "Miscellaneous Professional Liability (MPL) Policy Overview & Product Highlights for Agents and Brokers") (Evidence: Company-reported; scope: MPL brochure policy overview and 'Professional Liability Limits of Insurance' definitions.) - 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. [1](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf "Miscellaneous Professional Liability (MPL) Policy Overview & Product Highlights for Agents and Brokers") (Evidence: Company-reported; scope: MPL brochure 'Professional Liability Policy Base Form Exclusions' list.) ## Coterie Insurance Professional Liability (E&O) Limits and Retentions - 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. [1](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf "Miscellaneous Professional Liability (MPL) Policy Overview & Product Highlights for Agents and Brokers") (Evidence: Company-reported; scope: MPL brochure 'Available Limits' table and 'Extended Reporting Period'/'Retroactive Date' definitions.) ## How Do You Apply for Coterie Insurance Professional Liability (E&O)? - 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. [1](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf "Miscellaneous Professional Liability (MPL) Policy Overview & Product Highlights for Agents and Brokers") (Evidence: Company-reported; scope: MPL brochure framing as 'for Agents and Brokers'.) ## Coterie Insurance vs Other Professional Liability (E&O) Providers - [Coterie Insurance vs AIG](https://thegeneralaverage.com/compare/aig-vs-coterie) - [Coterie Insurance vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-coterie) - [Coterie Insurance vs Aon](https://thegeneralaverage.com/compare/aon-vs-coterie) - [Coterie Insurance vs At-Bay](https://thegeneralaverage.com/compare/at-bay-vs-coterie) - [Coterie Insurance vs The Baldwin Group](https://thegeneralaverage.com/compare/baldwin-vs-coterie) - [Coterie Insurance vs Beazley](https://thegeneralaverage.com/compare/beazley-vs-coterie) ## Other Coverage Lines From Coterie Insurance - [Coterie Insurance Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/coterie/business-owners-policy) - [Coterie Insurance General Liability Insurance](https://thegeneralaverage.com/insurance-providers/coterie/general-liability) ## Rankings That Include Coterie Insurance - [Best Professional Liability (E&O) Insurance for Real Estate Businesses](https://thegeneralaverage.com/best/professional-errors-omissions/real-estate-businesses) ## Related Reading - [Coterie Insurance Profile](https://thegeneralaverage.com/insurance-providers/coterie) - [Coterie Insurance Reliability](https://thegeneralaverage.com/insurance-providers/coterie/reliability) - [Coterie Insurance Alternatives](https://thegeneralaverage.com/insurance-providers/coterie/alternatives) - [Coverage Guide: Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) ## Sources for Coterie Insurance Professional Liability (E&O) Insurance 1. [Miscellaneous Professional Liability (MPL) Policy Overview & Product Highlights for Agents and Brokers](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf). 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. 2. [Coterie Insurance small business products overview](https://coterieinsurance.com/insurance/). Coterie Insurance; Product line overview page listing Professional Liability among Coterie's coverages. Accessed 2026-09-23. ## How to Cite This Page Coterie Insurance Professional Liability (E&O) Insurance: Coverage, Eligibility, Limits & More (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/coterie/professional-errors-omissions. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/insurance-providers/coterie/professional-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)