Chubb vs 
Newfront: How Do They Compare for D&O Insurance?
Newfront brokers D&O from seed funding through public listings and gives clients 24/7 program access; Chubb directly insures a D&O product for smaller private companies.
Newfront is a broker that places D&O from seed through IPO or deSPAC, including public-company and Side A DIC cover, and lets you see your program in an online dashboard. Chubb's ForeFront Portfolio 3.0 is a single insurer's form for smaller private companies, with failed-IPO cover and a guaranteed IPO quote built in. 3,1
What Are the Key Differences Between Chubb and Newfront D&O Insurance?
Broker for Every Stage vs One Private-Company Form
Newfront says it serves private companies from seed through every funding series, including over 120 unicorns, and has worked with over 500 public companies on M&A and IPOs. Chubb's ForeFront 3.0 is written for smaller private companies and covers private placements and failed IPOs. Choose Newfront if you're heading toward an IPO, deSPAC or direct listing and will need public-company D&O; choose Chubb if you're a smaller private company and want an established insurer's form any broker can quote. 3 1
Side A DIC vs an Extra $500,000 Side A Limit
Both offer extra protection for directors personally when the company can't pay. Newfront places standalone Side A DIC policies. Chubb adds an optional $500,000 Side A limit to ForeFront. 3 1
How You Buy and Manage the Policy
Any agent on Chubb Marketplace can quote and issue ForeFront. Newfront starts with a consultation, then gives you a 24/7 online dashboard and pre-filled renewals, and negotiates claims and coverage for you. 2 3
What Should You Confirm in Chubb and Newfront D&O Insurance Quotes?
- Ask Newfront whether you're quoted private D&O, public D&O or Side A DIC, and which insurer issues it. 3
- If an IPO, deSPAC or listing is ahead, compare Newfront's transition plan with Chubb's failed-IPO and road-show terms. 3 1
- Ask both for the overall limit in writing; Chubb only publishes $500,000 sublimits and Newfront publishes none. 1 3
Chubb vs Newfront D&O Insurance Compared
Chubb vs Newfront: D&O Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio 3.0 Directors & Officers and Entity Liability Insurance | Newfront Directors and Officers (D&O) Insurance |
|---|---|---|
| Who It’s For | Chubb aims this D&O product at smaller private companies and offers separate versions for not-for-profit and healthcare organizations in its ForeFront Portfolio. 1,2Company-reported. ForeFront Portfolio 3.0 D&O page opening description; ForeFront Portfolio page coverage list. | Newfront says it services private companies "from seed round through every series of capital funding," including over 120 unicorn companies, and has worked with over 500 publicly traded companies on D&O-relevant matters such as M&A and IPOs. 3Company-reported. Here for the Long Run section; company-reported client counts, not independently verified. |
| How to Apply | Agents and brokers can quote and issue the ForeFront Portfolio, including its D&O and Entity Liability coverage, through Chubb Marketplace. 2Company-reported. ForeFront Portfolio page quoting section. | Newfront describes a process for private companies transitioning to public status through an IPO, deSPAC or direct listing, and you start a D&O placement by requesting a consultation through the Executive Risk page. 3Company-reported. Committed to Client Advocacy section and page call-to-action; no online quoting or binding described. |
| Coverage Features | Chubb lists a broad definition of Insured covering the parent organization, subsidiaries, directors or officers (including foreign equivalents), advisory board members and volunteers worldwide; automatic not-for-profit outside-directorship coverage; a broad definition of Claim including written demands, civil and criminal proceedings, and extradition requests; and civil fines and penalties coverage where insurable, including FCPA civil penalties. 1Company-reported. Coverage Highlights list; subject to the policy as issued. Chubb says the policy uses a streamlined insured-versus-insured exclusion with exceptions (including financial impairment, former executives after one year, and whistleblower and employment claims) and conduct exclusions that require final non-appealable adjudication before they apply. 1Company-reported. Coverage Highlights list, exclusion-related bullets. Chubb says the policy provides private-placement and failed-IPO coverage, a full Side A carve-back to the pollution exclusion, and a guaranteed IPO quotation including coverage for road-show presentations. 1Company-reported. Coverage Highlights list. | Newfront lists "Directors and Officers (D&O)—Private and public companies" and "Side A DIC D&O" among its Executive Risk Key Coverages, and says its D&O work includes protection against securities-related litigation and regulatory investigations. 3Company-reported. Key Coverages list and Committed to Client Advocacy section; Side A DIC is a difference-in-conditions option, and actual trigger and exclusions require the proposed wording. |
| Role in This Line | Chubb underwrites D&O and Entity Liability directly through ForeFront Portfolio 3.0, describing this specific version as designed for directors and officers of smaller, privately held companies. 1Company-reported. ForeFront Portfolio 3.0 D&O and Entity Liability product page. | Newfront's Executive Risk practice brokers D&O coverage, negotiating placement for management-liability lines. Deirdre Finn, the Executive Risk Solutions Practice Leader, oversees this D&O, employment-practices and fiduciary book of business. 3Company-reported. Executive Risk offering page and Leadership section. |
