---
title: "At-Bay vs Newfront Professional Liability (E&O) Insurance"
description: "Newfront names E&O only as a line item within its Executive Risk practice; At-Bay's MPL page lists specific coverage features for the line itself."
canonical: "https://spot.insure/compare/at-bay-vs-newfront/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/at-bay-vs-newfront/professional-errors-omissions)

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

Newfront names E&O only as a line item within its Executive Risk practice; At-Bay's MPL page lists specific coverage features for the line itself.

## Research Scope and Use

Use this comparison to evaluate At-Bay and Newfront for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Newfront lists Errors and Omissions among the coverages its Executive Risk team places, alongside D&O, EPLI, and fiduciary liability, without describing E&O's own insuring agreement. At-Bay's MPL page lists specific coverage features for the line itself, including a duty-to-defend contract and an 80/20 hammer clause. [11](https://www.newfront.com/executive-risk "Executive Risk") [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite")

## What Is At-Bay Insurance?

At-Bay offers Cyber, Tech E&O, and miscellaneous professional liability insurance through its disclosed insurance agency and surplus lines broker. Its Stance security services have policy eligibility conditions, with managed detection and response sold separately. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [2](https://www.at-bay.com/stance/ "At-Bay Stance")

[At-Bay profile](https://spot.insure/insurance-providers/at-bay)

## What Is Newfront?

Newfront is a business-insurance and employee-benefits brokerage that combines specialist teams with online policy-management tools. It is now part of WTW. [7](https://www.newfront.com/business-insurance "Business Insurance") [8](https://www.newfront.com/total-rewards "Employee Benefits") [9](https://www.newfront.com/navigator "Newfront Navigator") [10](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront")

[Newfront profile](https://spot.insure/insurance-providers/newfront)

## What Is Professional Errors and Omissions (E&O) Insurance?

Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. [13](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [14](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [15](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [16](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## Key Differences in Professional Liability (E&O) Insurance

### A Line Item Versus a Line-Specific Feature List

Newfront's Executive Risk page names Errors and Omissions among the coverages it places, alongside D&O, EPLI, and fiduciary liability, without describing E&O's own insuring agreement or exclusions on that page. [11](https://www.newfront.com/executive-risk "Executive Risk") At-Bay's MPL page instead lists specific coverage features for the line itself: automatic acquired-subsidiary coverage, independent-contractor coverage, and an 80/20 hammer clause. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite")

### How You Start Each Process

Newfront's E&O placements begin with a requested consultation, which asks for industry, company details, and the service needed rather than issuing an instant quote. [12](https://www.newfront.com/talk-to-an-expert "Get Started Today") At-Bay instead routes MPL submissions through email or its Broker Platform, a workflow of creating, customizing, and binding a quote. [6](https://www.at-bay.com/brokers/platform/ "Broker Platform")

### What Neither Company's Reviewed Pages Name

Newfront's reviewed page does not name an insurer for E&O placements, since Newfront negotiates coverage on the client's behalf and the carrier varies by placement. [11](https://www.newfront.com/executive-risk "Executive Risk") At-Bay's current MPL page similarly does not name an issuing insurer for a new quote. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite")

## What to Confirm in Professional Liability (E&O) Insurance Quotes

- Ask Newfront for the specific E&O insuring agreement and exclusions once it has placed your Executive Risk program. [11](https://www.newfront.com/executive-risk "Executive Risk")
- Ask At-Bay directly which insurer would issue your MPL policy. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite")
- Ask Newfront which carrier it plans to approach for your E&O placement. [11](https://www.newfront.com/executive-risk "Executive Risk")
- Ask At-Bay for its published $5 million limit ceiling and applicable state restrictions. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite")
- Ask Newfront whether its claims-advocacy and dashboard services, described for Executive Risk generally, apply specifically to your E&O policy. [11](https://www.newfront.com/executive-risk "Executive Risk")

## Offering Details

| Criteria | At-Bay Miscellaneous Professional Liability (MPL) Insurance | Newfront Executive Risk Errors & Omissions |
| --- | --- | --- |
| 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. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [4](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: 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. [11](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk page's Key Coverages list; general professional E&O, not the technology E&O line placed by the cyber practice..) |
| Issuing Insurer | The current MPL product page does not name the insurer that issues the policy. A September 2023 press release named United Specialty Company in connection with MPL, but that historical reference does not establish the current issuing insurer for a new MPL quote. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [5](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/ "At-Bay Doubles Miscellaneous Professional Liability Appetite") (Evidence: Not found in reviewed sources; scope: Reviewed MPL page as of 2026-09-23 and the September 2023 press release; restates the existing provider fact that MPL's current issuer is unresolved, distinct from the August 2023 Cyber/Tech E&O transition to At-Bay Specialty Insurance Company paper..) | The reviewed page does not name an insurer for E&O placements; Newfront describes negotiating coverage on the client's behalf, so the issuing carrier would vary by placement. [11](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not found in reviewed sources; scope: Checked the Executive Risk page for a named E&O carrier; none was found..) |
| 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. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: 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. [11](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk page's Here for the Long Run section; a practice-wide statement, not E&O-specific eligibility criteria..) |
| Coverage Features | At-Bay lists MPL coverage highlights including automatic coverage for acquired subsidiaries, claims-made-and-reported coverage, coverage for independent contractors, disciplinary-proceedings defense, a duty-to-defend contract, personal-injury coverage (including emotional distress), punitive damages where insurable, a professional-services definition written for each insured, and an 80/20 hammer clause. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: Product-page coverage-highlights list; an 80/20 hammer clause is a settlement provision where the insurer pays 80% and the insured pays 20% of costs after the insured declines a recommended settlement. The issued policy and declarations control actual wording, limits and exclusions..) | The reviewed page lists E&O as a named coverage but does not describe the specific insuring agreement, professional-services scope, or exclusions for that line; those terms come from the placed policy. [11](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not found in reviewed sources; scope: Executive Risk page as read on 2026-09-23; only a coverage-name listing was found for E&O specifically..) |
| Limits and Retentions | At-Bay publishes an MPL limit ceiling of up to $5 million, with state restrictions that are not detailed on the product page itself. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: Current appetite paragraph; this is an advertised ceiling, not a guaranteed available limit for any specific applicant..) | Published limits or retentions for E&O coverage were not found on the reviewed page. [11](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not publicly disclosed; scope: Executive Risk page as read on 2026-09-23; limits are quote-specific for broker placements..) |
| Risk Services | Not described in the reviewed sources. | Newfront says it provides integrated claims and coverage negotiation across the Executive Risk lines it places, including E&O, and a proprietary dashboard for 24/7 access to policies, certificates and billing plus pre-populated renewal submissions. [11](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk page's Committed to Client Advocacy and Industry-Leading Technology sections; applies to the practice generally, not documented as E&O-specific..) |
| 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. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") (Evidence: Company-reported; scope: 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. [12](https://www.newfront.com/talk-to-an-expert "Get Started Today") (Evidence: Company-reported; scope: General consultation intake, not an E&O-specific application path..) |

## Full Comparison

- [At-Bay vs Newfront](https://spot.insure/compare/at-bay-vs-newfront): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional E&O insurance addresses claims that a mistake in your advice or services caused a client financial loss.
- [At-Bay vs Newfront Cyber Insurance](https://spot.insure/compare/at-bay-vs-newfront/cyber)
- [At-Bay vs Newfront Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-newfront/technology-errors-omissions)
- [Alliance Risk vs At-Bay Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-at-bay/professional-errors-omissions)
- [Alliance Risk vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/professional-errors-omissions)
- [At-Bay vs Beazley Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-beazley/professional-errors-omissions)
- [At-Bay vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-cfc/professional-errors-omissions)
- [At-Bay vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-chubb/professional-errors-omissions)
- [At-Bay vs Coalition Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-coalition/professional-errors-omissions)

## Sources

### At-Bay

1. [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/). At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
2. [At-Bay Stance](https://www.at-bay.com/stance/). At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
3. [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/). At-Bay; MPL Coverage Highlights list; MPL Appetite paragraph; Send us your submissions; "material on this page is intended for use solely by properly licensed insurance professionals". Accessed 2026-09-23.
4. [Licenses](https://www.at-bay.com/licenses/). At-Bay; Producer introduction; agency and surplus-lines footer naming At-Bay Insurance Services LLC. Accessed 2026-09-16.
5. [At-Bay Doubles Miscellaneous Professional Liability Appetite](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/). At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.
6. [Broker Platform](https://www.at-bay.com/brokers/platform/). At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.

### Newfront

7. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
8. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
9. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
10. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
11. [Executive Risk](https://www.newfront.com/executive-risk). Newfront; Key Coverages to Protect Your Business: Errors and Omissions (E&O); Here for the Long Run: Private Companies, IPOs, Public segments; Committed to Client Advocacy: integrated claims and coverage negotiation. Accessed 2026-09-23.
12. [Get Started Today](https://www.newfront.com/talk-to-an-expert). Newfront; Consultation form: schedule a consultation to see how Newfront can reduce your risk. Accessed 2026-09-23.

### Professional Liability (E&O) Insurance Guide

13. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). 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.
14. [Professional liability insurance](https://www.iii.org/article/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.
15. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
16. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). 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.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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