Embroker vs Newfront Professional Liability (E&O) Insurance

Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its bundled technology E&O/cyber product. ⁴Company-reported. Product-page description; not a statement about the issuing insurer.

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. ⁹Company-reported. Executive Risk page's Key Coverages list; general professional E&O, not the technology E&O line placed by the cyber practice.

Not described in the reviewed sources.

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. ⁹Not found in reviewed sources. Checked the Executive Risk page for a named E&O carrier; none was found.

Embroker markets the policy to anyone who provides professional advice or services for a fee, listing accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals as example buyers, while noting lawyers and doctors typically use specialized malpractice coverage instead. ⁴Company-reported. Product-page eligibility and industry-example sections; not a guarantee of coverage for a particular business.

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. ⁹Company-reported. Executive Risk page's Here for the Long Run section; a practice-wide statement, not E&O-specific eligibility criteria.

Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. ⁴Company-reported. Product-page What's covered section; the issued policy and declarations control.

Embroker says the policy does not cover personal injury or property damage (handled by general liability), cyberattacks and data breaches (some tech E&O policies offer limited cyber coverage, but full protection needs a separate cyber policy), employee injuries, or employee discrimination claims (handled by EPLI). ⁴Company-reported. Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections.

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. ⁹Not found in reviewed sources. Executive Risk page as read on 2026-09-23; only a coverage-name listing was found for E&O specifically.

Embroker says the policy carries a deductible, that a higher deductible generally lowers the premium, and that buyers can choose an aggregate (once-annually capped) deductible or a first-dollar-defense option that applies the deductible only to damages, not legal costs. ⁴Company-reported. Product-page 'Does it have a deductible?' section; specific dollar limits and deductible amounts are not published and depend on underwriting.

Published limits or retentions for E&O coverage were not found on the reviewed page. ⁹Not publicly disclosed. Executive Risk page as read on 2026-09-23; limits are quote-specific for broker placements.

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. ⁹Company-reported. Executive Risk page's Committed to Client Advocacy and Industry-Leading Technology sections; applies to the practice generally, not documented as E&O-specific.

Embroker offers an online quote for professional liability through its digital platform, describing underwriting factors including business size, industry risk, location and claims history. ⁴Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research.

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. ¹⁰Company-reported. General consultation intake, not an E&O-specific application path.