---
title: "CFC vs Newfront Professional Liability (E&O) Insurance"
description: "Newfront names E&O only as a coverage on a list while CFC's brochure details its E&O policy's actual scope."
canonical: "https://spot.insure/compare/cfc-vs-newfront/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# CFC vs Newfront Professional Liability (E&O) Insurance

Newfront names E&O only as a coverage on a list while CFC's brochure details its E&O policy's actual scope.

## Research Scope and Use

Use this comparison to evaluate CFC 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's Executive Risk page names E&O as one of the coverages it places without describing the specific insuring agreement, while CFC's brochure details its E&O cover, including breach of contract, bodily injury and IP infringement. [12](https://www.newfront.com/executive-risk "Executive Risk") [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")

## What Is CFC Insurance?

CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. [1](https://www.cfc.com/en-us/company/ "About CFC") [2](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [3](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## 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. [8](https://www.newfront.com/business-insurance "Business Insurance") [9](https://www.newfront.com/total-rewards "Employee Benefits") [10](https://www.newfront.com/navigator "Newfront Navigator") [11](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. [14](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [15](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [16](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [17](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

### How Much Each Discloses About What's Actually Covered

Newfront's Executive Risk page names E&O as one of the coverages it places but does not describe the specific insuring agreement, professional-services scope, or exclusions for that line. [12](https://www.newfront.com/executive-risk "Executive Risk") CFC's brochure instead details the E&O cover itself, including breach of contract, bodily injury, property damage and IP infringement. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")

### Company Stage Against Profession-Based Eligibility

Newfront says its Executive Risk practice serves private companies from seed-stage funding through later rounds, plus public companies, without breaking out E&O-specific eligibility. [12](https://www.newfront.com/executive-risk "Executive Risk") CFC instead sets eligibility by profession, favoring several types of consultants and declining others such as lawyers and financial advisors regardless of company stage. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")

### Technology Behind the Policy

Newfront says it provides a proprietary dashboard for 24/7 access to policies, certificates and billing, plus pre-populated renewal submissions, across the Executive Risk lines it places. [12](https://www.newfront.com/executive-risk "Executive Risk") CFC instead offers digital trading through its Connect platform or API partners as an alternative to a standard application form. [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability")

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

- Ask Newfront for the actual E&O policy terms it would place, since its page names the coverage without describing insuring agreements or exclusions. [12](https://www.newfront.com/executive-risk "Executive Risk")
- Confirm whether your profession appears on CFC's declined list before relying on a quote. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")
- Get the issuing insurer for both; neither reviewed source names one. [12](https://www.newfront.com/executive-risk "Executive Risk") [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability")
- Ask Newfront for published limits or retentions, since its reviewed page does not disclose them. [12](https://www.newfront.com/executive-risk "Executive Risk")

## Offering Details

| Criteria | CFC Professional Services | Newfront Executive Risk Errors & Omissions |
| --- | --- | --- |
| Role in This Line | CFC sells professional errors & omissions as a modular package policy it calls "Professional services" (branded on the brochure as "Miscellaneous professional liability"), which pairs E&O with optional general liability, property and cyber add-ons rather than selling E&O alone. [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Professional liability product page's "Professional services" tile and the miscellaneous professional liability brochure..) | 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. [12](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 reviewed professional liability page and brochure describe CFC as the policy designer and point of contact but do not name the insurer that carries the risk for this product. [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Not publicly disclosed; scope: Professional liability product page and professions brochure as read on 2026-09-23. CFC's own materials describe it as an underwriting manager rather than a risk-bearing insurer, so a specific carrier for this product would need to come from the quote or declarations..) | 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. [12](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 | CFC says it favors business, educational, environmental, food, HR, market-research, quality-assurance, security and traffic consultants, event organisers, freight brokers, loss adjusters, private investigators and trade associations, and ordinarily declines debt collectors, financial advisors, health and safety consultants, insurance agents, lawyers, mortgage brokers, pre-purchase home inspectors, stockbrokers, tour operators and valuers. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting..) | 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. [12](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 | CFC says the E&O cover includes breach of contract, bodily injury, property damage, vicarious liability of subcontractors, IP infringement, pollution liability, libel, slander, defamation, document loss and withheld fees, with worldwide legal cover. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Comprehensive errors & omissions cover" and "Comprehensive legal cover" sections; exact wording and exclusions are set by the policy as issued..)<br><br>Businesses can add a separate commercial general liability limit, property, and cyber and privacy liability to the E&O policy, plus optional umbrella liability that sits over the E&O and CGL layers. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Modular package policy" and "Umbrella liability" sections; availability depends on underwriting..) | 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. [12](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 | CFC's brochure lists maximum limits of $10,000,000 for E&O, $6,000,000 for CGL and $5,000,000 for umbrella, with a $0 minimum deductible, minimum premiums starting at $475-$500 depending on the coverage part, and no revenue threshold for eligibility. [6](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Limits, deductibles, premiums, revenue threshold" section; the terms actually issued depend on underwriting..) | Published limits or retentions for E&O coverage were not found on the reviewed page. [12](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. [12](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 | CFC publishes a dedicated application form for this policy and also says its professional liability class can be traded directly through its Connect platform or through named API partners, in addition to the standard broker-submitted application. [5](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") (Evidence: Company-reported; scope: Professional liability product page's downloads and "Digitally traded" sections; not confirmed specifically for the professions/miscellaneous professional liability product versus the class as a whole..) | 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. [13](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..) |
| Claims Support | CFC lists a named Claims Manager for Professions on its claims team, indicating professional-liability claims are routed to a dedicated professions unit rather than a generalist adjuster. [7](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: CFC's claims page team listing; the page does not publish claim volumes or turnaround times specific to this product..) | Not described in the reviewed sources. |

## Full Comparison

- [CFC vs Newfront](https://spot.insure/compare/cfc-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.
- [CFC vs Newfront Commercial Property Insurance](https://spot.insure/compare/cfc-vs-newfront/commercial-property)
- [CFC vs Newfront Crime Insurance](https://spot.insure/compare/cfc-vs-newfront/crime)
- [CFC vs Newfront Cyber Insurance](https://spot.insure/compare/cfc-vs-newfront/cyber)
- [CFC vs Newfront D&O Insurance](https://spot.insure/compare/cfc-vs-newfront/directors-officers)
- [CFC vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/cfc-vs-newfront/employment-practices)
- [CFC vs Newfront General Liability Insurance](https://spot.insure/compare/cfc-vs-newfront/general-liability)
- [CFC vs Newfront Management Liability Insurance](https://spot.insure/compare/cfc-vs-newfront/management-liability)
- [CFC vs Newfront Product Liability Insurance](https://spot.insure/compare/cfc-vs-newfront/product-liability)
- [CFC vs Newfront Product Recall Insurance](https://spot.insure/compare/cfc-vs-newfront/product-recall)
- [CFC vs Newfront Representations and Warranties Insurance](https://spot.insure/compare/cfc-vs-newfront/representations-warranties)
- [CFC vs Newfront Tech E&O Insurance](https://spot.insure/compare/cfc-vs-newfront/technology-errors-omissions)
- [CFC vs Newfront Telehealth Insurance](https://spot.insure/compare/cfc-vs-newfront/virtual-care-telehealth)
- [CFC vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-newfront/umbrella-excess)
- [Alliance Risk vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/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 CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-cfc/professional-errors-omissions)
- [At-Bay vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-newfront/professional-errors-omissions)
- [Beazley vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-cfc/professional-errors-omissions)
- [Beazley vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-newfront/professional-errors-omissions)

## Sources

### CFC

1. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
2. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
3. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16.
5. [Professional liability](https://www.cfc.com/en-us/products/class/professional-liability/). CFC; Professional services tile description; Digitally traded Connect section; downloads (brochure, application form). Accessed 2026-09-23.
6. [Miscellaneous professional liability | Product brochure | United States](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf). CFC; Comprehensive errors & omissions cover; Modular package policy; Umbrella liability; At a glance: What we love / What we ordinarily decline; Optional extras; Limits, deductibles, premiums, revenue threshold. Accessed 2026-09-23.
7. [Claims](https://www.cfc.com/en-us/claims/). CFC; Our claims team: Professions team, led by Laura Bennett, Claims Manager, Professions Claims & Kidnap, War & Piracy (KWP). Accessed 2026-09-23.

### Newfront

8. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
9. [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.
10. [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.
11. [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.
12. [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.
13. [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

14. [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.
15. [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.
16. [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.
17. [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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