---
title: "At-Bay vs Newfront Tech E&O Insurance"
description: "At-Bay quotes a Tech E&O form with Stance; Newfront’s Cyber Risk practice brokers Tech E&O with negotiated wording and claims consult."
canonical: "https://spot.insure/compare/at-bay-vs-newfront/technology-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/technology-errors-omissions)

# At-Bay vs Newfront Tech E&O Insurance

At-Bay quotes a Tech E&O form with Stance; Newfront’s Cyber Risk practice brokers Tech E&O with negotiated wording and claims consult.

## Research Scope and Use

Use this comparison to evaluate At-Bay and Newfront for Tech 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

At-Bay describes a Tech E&O policy, published limits and Stance. Newfront brokers Technology E&O through its Cyber Risk practice, saying its Tech E&O and Cyber team negotiates bespoke language rather than selling an off-the-shelf form. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [11](https://www.newfront.com/cyber-insurance "Cyber Risk")

## 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 Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. [13](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [14](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [15](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management")

## Key Differences in Tech E&O Insurance

### A Published Form Versus Negotiated Placement

At-Bay publishes Tech E&O coverage highlights (expanded contract terms, IP extensions, negligence and contractual indemnity). Newfront lists Technology E&O among the coverages its Cyber Risk practice places and says its Tech E&O and Cyber team “negotiates bespoke language”; the reviewed page does not describe specific tech E&O exclusions or professional-services scope. One side is selling a described At-Bay form; the other is brokering wording it says it negotiates with markets. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [11](https://www.newfront.com/cyber-insurance "Cyber Risk")

### Limits and Modeling

At-Bay states primary and excess limits up to $10 million for revenue up to $5 billion. Newfront says its technology team uses proprietary modeling data to choose limits aligned with exposure, but the reviewed page does not publish limit ranges, retentions or premiums. Newfront does not name an insurer; the carrier depends on the placement. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [11](https://www.newfront.com/cyber-insurance "Cyber Risk")

### Services and How You Engage

At-Bay includes Stance with every Tech E&O policy and accepts email or Broker Platform submissions. Newfront describes cyber-infrastructure risk assessment, placement once the client meets carrier requirements, and hands-on claims consultation before and after a breach or claim, applied to the cyber-and-tech-E&O tower together. You start Newfront with a consultation that asks for industry and company details, not an instant quote. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [11](https://www.newfront.com/cyber-insurance "Cyber Risk") [12](https://www.newfront.com/talk-to-an-expert "Get Started Today")

## What to Confirm in Tech E&O Insurance Quotes
- Whether Newfront is placing Tech E&O beside cyber in one tower, versus At-Bay’s Tech E&O quote. [11](https://www.newfront.com/cyber-insurance "Cyber Risk") [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")
- Specimen wording for contract, IP and professional services on both sides. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [11](https://www.newfront.com/cyber-insurance "Cyber Risk")
- Limit, retention and issuing insurer. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [11](https://www.newfront.com/cyber-insurance "Cyber Risk")
- How a non-cyber professional-liability claim would be handled; At-Bay’s claims page describes a cyber roadmap, and Newfront describes claims consult for the combined tower. [6](https://www.at-bay.com/claims/ "Claims Handling") [11](https://www.newfront.com/cyber-insurance "Cyber Risk")

## Offering Details

| Criteria | At-Bay Tech E&O Insurance | Newfront Cyber Risk Technology Errors & Omissions |
| --- | --- | --- |
| Role in This Line | At-Bay places Tech E&O insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) Tech E&O business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. [4](https://www.at-bay.com/licenses/ "Licenses") [5](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: Producer role from the current license page; carrier role from a 2023 transition announcement covering Cyber and Tech E&O together, not confirmed for every current quote..) | Newfront lists Technology Errors and Omissions (E&O) as one of the named coverages its Cyber Risk practice places, alongside cyber liability, data breach, business interruption, network security liability and cyber extortion coverage. Newfront brokers this coverage; it does not underwrite it. [11](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: Cyber Risk page's Key Coverages list..) |
| Issuing Insurer | The current Tech E&O product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S Tech E&O business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: Tech E&O product page checked today names no insurer; the carrier-transition release is dated August 2023 and does not cover every current state or account..) | The reviewed page does not name an insurer for technology E&O placements; as a broker, Newfront's carrier for this line would depend on the placement. [11](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Not found in reviewed sources; scope: Checked the Cyber Risk page for a named tech E&O carrier; none was found..) |
| Who It’s For | Not described in the reviewed sources. | The reviewed page markets the Cyber Risk practice broadly, without a technology-E&O-specific eligibility threshold; Newfront says its cyber team helps clients navigate "increased underwriting standards" as carriers evaluate applicants. [11](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: Cyber Risk page's Our Approach introduction..) |
| Coverage Features | At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..)<br><br>At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..) | Newfront names its "Tech E&O and Cyber team" specifically and says that team "negotiates bespoke language to ensure the broadest terms available in the marketplace," indicating technology E&O is negotiated alongside cyber wording rather than sold as an off-the-shelf form; the reviewed page does not describe specific tech E&O exclusions or professional-services scope. [11](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: Cyber Risk page's Subject Matter Expertise section..) |
| Limits and Retentions | At-Bay says it writes primary and excess Tech E&O insurance for businesses with revenue up to $5 billion and limits up to $10 million. Through its Broker Platform, brokers can get automated quotes only for businesses up to $100 million in revenue and $3 million in limits. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts..) | Newfront says its technology team provides "proprietary modeling data to make informed decisions on limits that align with your risk exposure and tolerance," but the reviewed page does not publish specific limit ranges, retentions or premium figures for technology E&O. [11](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Not publicly disclosed; scope: Cyber Risk page's Subject Matter Expertise section; limit amounts are quote-specific..) |
| Risk Services | Every At-Bay Tech E&O policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training, the same InsurSec package structure marketed with its cyber product. Managed detection and response (MDR) is a separate purchase sold by At-Bay Security, LLC. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change..) | Newfront says it delivers risk assessment on cyber infrastructure and policy design, negotiates coverage and placement once a client is aligned with regulatory and carrier requirements, and provides "hands-on" claims consultation before and after a breach or claim, applied to the cyber-and-tech-E&O tower it services together. [11](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: Cyber Risk page's Our Approach section; describes the cyber practice generally, applied to tech E&O as a listed coverage within it..) |
| How to Apply | You apply for At-Bay Tech E&O coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. [3](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings..) | You engage Newfront's Cyber Risk practice for technology 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 a technology-E&O-specific application path..) |
| Claims Support | At-Bay's claims-handling page describes a cyber incident roadmap and breach-coach hotline for ransomware and system-interruption events, but the reviewed page does not describe a separate process for a Tech E&O claim that does not involve a cyber incident, such as a professional-liability or contract dispute. [6](https://www.at-bay.com/claims/ "Claims Handling") (Evidence: Not found in reviewed sources; scope: Claims-handling page as read on 2026-09-23; does not establish that no Tech E&O-specific process exists, only that this page does not describe one..) | Not described in the reviewed sources. |

## Full Comparison

- [At-Bay vs Newfront](https://spot.insure/compare/at-bay-vs-newfront): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.
- [At-Bay vs Newfront Cyber Insurance](https://spot.insure/compare/at-bay-vs-newfront/cyber)
- [At-Bay vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-newfront/professional-errors-omissions)
- [Alliance Risk vs At-Bay Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-at-bay/technology-errors-omissions)
- [Alliance Risk vs Newfront Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/technology-errors-omissions)
- [Amelia Risk vs At-Bay Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-at-bay/technology-errors-omissions)
- [Amelia Risk vs Newfront Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/technology-errors-omissions)
- [At-Bay vs Beazley Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-beazley/technology-errors-omissions)
- [At-Bay vs CFC Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-cfc/technology-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. [Tech E&O Insurance Coverage and Policy Highlights](https://www.at-bay.com/insurance/tech-eo/). At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; InsurSec Packages (Core, Advanced, Complete); footnotes 1–7. Accessed 2026-09-23.
4. [Licenses](https://www.at-bay.com/licenses/). At-Bay; At-Bay Insurance Services LLC producer introduction and 50-state P&C/surplus-lines license table. Accessed 2026-09-23.
5. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/). At-Bay; August 9, 2023 release: "At-Bay ... has begun issuing Cyber and Tech E&O policies under its Delaware-based Excess and Surplus (E&S) carrier, At-Bay Specialty Insurance Company"; "All E&S Cyber and Tech E&O new business in eligible states and territories is now being quoted on At-Bay Specialty Insurance Company paper, as of August 7, 2023". Accessed 2026-09-23.
6. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; Call an At-Bay Breach Coach; The At-Bay Claims Team. Accessed 2026-09-23.

### 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. [Cyber Risk](https://www.newfront.com/cyber-insurance). Newfront; Key Coverages to Protect Your Business: Technology Errors and Omissions (E&O); Subject Matter Expertise: "Tech E&O and Cyber team negotiates bespoke language to ensure the broadest terms available in the marketplace"; Our Approach: Coverage Negotiation, Claims Consultation; Leadership: Jennifer Wilson. 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.

### Tech E&O Insurance Guide

13. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
14. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
15. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. 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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