---
title: "At-Bay vs Newfront: Tech E&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/at-bay-vs-newfront/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "at-bay-vs-newfront"
provider-a: "at-bay"
provider-b: "newfront"
coverage-line: "technology-errors-omissions"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, 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://spot.insure/compare/at-bay-vs-newfront/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of At-Bay and Newfront for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Tech E&O Insurance questions about At-Bay versus Newfront. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- At-Bay vs Newfront for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, At-Bay or Newfront?
- What does At-Bay or Newfront publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Tech E&O Insurance. Providers: At-Bay and Newfront.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [At-Bay vs Newfront](https://spot.insure/compare/at-bay-vs-newfront) — all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works
- [At-Bay profile](https://spot.insure/insurance-providers/at-bay) — provider profile
- [Newfront profile](https://spot.insure/insurance-providers/newfront) — provider profile

# At-Bay vs Newfront: How Do They Compare for Tech E&O Insurance?

Newfront is a broker: you request a consultation and its Cyber Risk team negotiates bespoke Tech E&O wording alongside cyber. At-Bay offers its own Tech E&O product, with limits to $10 million and Stance included.

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.

## At-Bay vs Newfront Tech E&O Insurance 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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://www.newfront.com/cyber-insurance "Cyber Risk")

## What Are the Key Differences Between At-Bay and Newfront 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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://www.newfront.com/cyber-insurance "Cyber Risk")

When comparing At-Bay and Newfront, use the published detail to screen for fit, then compare the quoted form, exclusions, and limits before buying.

### 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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://www.newfront.com/cyber-insurance "Cyber Risk") [6](https://www.newfront.com/talk-to-an-expert "Get Started Today")

## What Should You Confirm in At-Bay and Newfront 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. [5](https://www.newfront.com/cyber-insurance "Cyber Risk") [1](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. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](https://www.newfront.com/cyber-insurance "Cyber Risk")
- Limit, retention and issuing insurer. [1](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [5](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. [4](https://www.at-bay.com/claims/ "Claims Handling") [5](https://www.newfront.com/cyber-insurance "Cyber Risk")

## At-Bay vs Newfront Tech E&O Insurance Compared

| Criteria | At-Bay Tech E&O Insurance | Newfront Cyber Risk Technology Errors & Omissions |
| --- | --- | --- |
| 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. [1](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. [6](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..) |
| 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. [1](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. [1](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. [5](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: Cyber Risk page's Subject Matter Expertise section..) |
| 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. [2](https://www.at-bay.com/licenses/ "Licenses") [3](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. [5](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: Cyber Risk page's Key Coverages list..) |
| 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. [1](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. [5](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..) |

## About At-Bay and Newfront and Tech E&O Insurance

- [At-Bay company profile](https://spot.insure/insurance-providers/at-bay) · [At-Bay customer reviews](https://spot.insure/insurance-providers/at-bay/reviews)
- [Newfront company profile](https://spot.insure/insurance-providers/newfront) · [Newfront customer reviews](https://spot.insure/insurance-providers/newfront/reviews)
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions)

## Related Pages for At-Bay vs Newfront Tech E&O Insurance

- [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 errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review.
- [At-Bay Tech E&O Insurance](https://spot.insure/insurance-providers/at-bay/technology-errors-omissions)
- [Newfront Tech E&O Insurance](https://spot.insure/insurance-providers/newfront/technology-errors-omissions)

## Sources for At-Bay vs Newfront Tech E&O Insurance

### Sources About At-Bay

1. [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.
2. [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.
3. [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.
4. [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.

### Sources About Newfront

5. [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.
6. [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.

Updated 2026-09-25. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/at-bay-vs-newfront/technology-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://spot.insure/llms.txt)