At-Bay vs Newfront: How Do They Compare for Professional Liability (E&O) Insurance?

Private companies wanting a broker to place E&O alongside D&O and EPLI, with claims negotiation and a policy dashboard, fit Newfront. At-Bay markets its own miscellaneous professional liability, up to $5 million, aimed at licensed insurance professionals.

Newfront lists E&O in its Executive Risk practice and provides policy and renewal access through a dashboard; At-Bay publishes standalone MPL features and a $5 million ceiling. ^5,¹

What Are the Key Differences Between At-Bay and Newfront Professional Liability (E&O) Insurance?

What You Can Review Before Applying

Newfront lists E&O among the lines its Executive Risk team places but does not describe the E&O agreement or exclusions. At-Bay lists specific MPL terms, including acquired-subsidiary and independent-contractor coverage and an 80/20 hammer clause. At-Bay provides more line-specific detail on its page; request Newfront’s policy form before comparing. ⁵ ¹

Starting the Placement

Newfront begins with a consultation about your industry, company and coverage needs. At-Bay routes MPL through email or its Broker Platform for licensed insurance professionals. Ask which route fits your current broker relationship and how long underwriting typically takes. ⁶ ⁴

Policy Management and Insurer

Newfront says its Executive Risk dashboard provides access to policies, certificates and billing, and it offers pre-filled renewal submissions. At-Bay’s page details its product but does not name the current issuing insurer. Confirm that Newfront’s tools apply to your E&O policy and ask either broker to identify the insurer. ⁵ ¹

What Should You Confirm in At-Bay and Newfront Professional Liability (E&O) Insurance Quotes?

Ask Newfront for the E&O form, exclusions and issuing insurer. ⁵
Ask At-Bay for the issuing insurer and its actual limit and state restrictions. ¹
Confirm which Newfront dashboard features apply to your E&O placement. ⁵
Compare limits, retentions and premiums using the policy forms. ¹ ⁵

At-Bay vs Newfront Professional Liability (E&O) Insurance Compared

At-Bay vs Newfront: Professional Liability (E&O) Insurance: documented features by provider

Criteria	At-Bay Miscellaneous Professional Liability (MPL) Insurance	Newfront Executive Risk Errors & Omissions
Who It’s For	At-Bay says it provides primary MPL for businesses of all revenue sizes with limits up to $5 million, subject to state restrictions and eligibility requirements detailed in a separate MPL appetite guide. ¹Company-reported. Current MPL appetite paragraph; the linked appetite guide's specific eligibility requirements were not independently opened for this record.	Newfront says its Executive Risk practice serves private companies from seed-stage funding through later rounds and public companies it has worked with in over 500 instances, without breaking eligibility out by coverage line. ⁵Company-reported. Executive Risk page's Here for the Long Run section; a practice-wide statement, not E&O-specific eligibility criteria.
How to Apply	At-Bay directs MPL submissions to underwriting by email or through automatic quotes on its Broker Platform, which At-Bay describes as a workflow of creating a quote, customizing limits and retentions, and binding the policy. ^1,⁴Company-reported. Current submission instructions and the general broker-platform workflow description; MPL-specific automation details were not separately confirmed.	You engage Newfront for E&O placement by requesting a consultation, which asks for your industry, company details and the service you need rather than issuing an instant quote. ⁶Company-reported. General consultation intake, not an E&O-specific application path.
Role in This Line	At-Bay markets MPL as one of its own named insurance products, sold through its disclosed producer, At-Bay Insurance Services LLC, with the product page directed at "properly licensed insurance professionals" submitting business rather than at direct retail buyers. ^1,²Company-reported. Current MPL product page and license disclosures; this describes the distribution channel, not who bears the underwriting risk.	Newfront lists Errors and Omissions (E&O) among the coverages its Executive Risk team places, alongside D&O, EPLI and fiduciary liability. Newfront brokers this professional-liability coverage rather than underwriting it, and distinguishes it from the technology E&O it places through its Cyber Risk practice. ⁵Company-reported. Executive Risk page's Key Coverages list; general professional E&O, not the technology E&O line placed by the cyber practice.