Gallagher vs Newfront: How Do They Compare for Cyber Insurance?

Both are brokers: Gallagher Small Business serves small firms and notes rates are flat to down, while Newfront starts with a consultation and uses modeling data to guide limits.

Gallagher recommends cyber for small businesses that handle customer data or card payments, naming retail, healthcare, financial services and home-repair. Newfront brokers Cyber Risk coverage, names Jennifer Wilson as Head of the Cyber Practice, and uses proprietary modeling to inform limit decisions. ^1,³

What Are the Key Differences Between Gallagher and Newfront Cyber Insurance?

Named Small-Business Classes Versus a Named Practice Head

Gallagher Small Business arranges cyber for shops that handle customer data or card payments, naming retail, healthcare, financial services and home-repair. Newfront's Cyber Risk practice assesses risk, negotiates placement and provides claims consultation, and you start by requesting a consultation led by Jennifer Wilson, Head of the Cyber Practice. Newfront's page does not state a company-size or industry threshold. Choose Gallagher if you sit on its named small-business list; choose Newfront if you want a named practice head and modeling used to set limits. ¹ ³

eRiskHub Versus Hands-On Claims Consultation

Gallagher's group practice gives larger clients eRiskHub and cyber forensic accountants. Newfront says it provides hands-on claims consultation for cyber breaches, including pre- and post-loss advocacy to prepare clients on breach-response protocol before a claim. Those are different service claims. Ask which Gallagher desk you would sit on before treating eRiskHub as yours. ² ³

Rate Commentary Versus Increased Underwriting Standards

Gallagher says cyber rates are flat to down. Newfront speaks generally about evolving cyber risk and increased underwriting standards, and lists Cyber Liability, Data Breach, Technology E&O, Business Interruption, Network Security Liability and Cyber Extortion among key coverages. ¹ ³

What Should You Confirm in Gallagher and Newfront Cyber Insurance Quotes?

Ask Gallagher which desk would handle you. ²
Ask Newfront which insurer would issue the policy and what modeling recommended for limits. ³
Treat Gallagher's $60 million figure as a claim example. ¹

Gallagher vs Newfront Cyber Insurance Compared

Gallagher vs Newfront: Cyber Insurance: documented features by provider

Criteria	Gallagher Cyber Liability Insurance	Newfront Cyber Risk Insurance
Coverage Features	Gallagher describes two components of cyber coverage: first-party coverage for when a business's own technology or data is breached, and third-party coverage for when a customer sues the business for failing to prevent a breach. It says the policy can cover customer notification, credit monitoring, legal fees and regulatory fines. ¹Company-reported. Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions. Gallagher's small-business team says cyber insurance rates are flat to down due to competitive market forces despite high-profile losses, and flags generative-AI-driven risks such as more convincing phishing, social-engineering and deepfake attacks as an emerging concern. ¹Company-reported. Small-business cyber product page market-commentary section; a general market view, not a quote for any specific business.	Newfront lists Cyber Liability Insurance, Data Breach Insurance, Technology Errors and Omissions (E&O), Business Interruption, Network Security Liability, and Cyber Extortion and Ransomware Coverage among its cyber Key Coverages. ³Company-reported. Cyber Risk page Key Coverages list; the page treats technology E&O as part of the same practice.
Role in This Line	Gallagher Small Business arranges cyber liability coverage with outside carriers for small businesses; Gallagher's group-level practice separately places cyber coverage with its own risk-consulting services for larger accounts. Gallagher does not underwrite either policy. ^1,²Company-reported. Small-business cyber product page and the group-level cyber liability page.	Newfront's Cyber Risk practice brokers cyber coverage: it assesses risk, negotiates coverage and placement, and provides claims consultation. It does not underwrite the policy itself. ³Company-reported. Cyber Risk offering page.
Risk Services	For larger accounts, Gallagher's group-level cyber practice gives clients access to the Gallagher eRiskHub risk-management portal and a dedicated claims team that includes cyber forensic accountants; the small-business product page does not describe an equivalent service for that segment. ²Company-reported. Group-level cyber liability page; not confirmed as included with the small-business product.	Newfront says dedicated cyber security specialists advise on security-improvement opportunities and current cybersecurity practices against phishing, ransomware and DDoS threats, and that its Tech E&O and Cyber team negotiates bespoke policy language. ³Company-reported. Subject Matter Expertise section of the cyber page.

Criteria

Gallagher Cyber Liability Insurance

Newfront Cyber Risk Insurance

Coverage Features

Gallagher describes two components of cyber coverage: first-party coverage for when a business's own technology or data is breached, and third-party coverage for when a customer sues the business for failing to prevent a breach. It says the policy can cover customer notification, credit monitoring, legal fees and regulatory fines. ¹Company-reported. Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions.

Gallagher's small-business team says cyber insurance rates are flat to down due to competitive market forces despite high-profile losses, and flags generative-AI-driven risks such as more convincing phishing, social-engineering and deepfake attacks as an emerging concern. ¹Company-reported. Small-business cyber product page market-commentary section; a general market view, not a quote for any specific business.

Newfront lists Cyber Liability Insurance, Data Breach Insurance, Technology Errors and Omissions (E&O), Business Interruption, Network Security Liability, and Cyber Extortion and Ransomware Coverage among its cyber Key Coverages. ³Company-reported. Cyber Risk page Key Coverages list; the page treats technology E&O as part of the same practice.

Role in This Line

Gallagher Small Business arranges cyber liability coverage with outside carriers for small businesses; Gallagher's group-level practice separately places cyber coverage with its own risk-consulting services for larger accounts. Gallagher does not underwrite either policy. ^1,²Company-reported. Small-business cyber product page and the group-level cyber liability page.

Newfront's Cyber Risk practice brokers cyber coverage: it assesses risk, negotiates coverage and placement, and provides claims consultation. It does not underwrite the policy itself. ³Company-reported. Cyber Risk offering page.

Risk Services

For larger accounts, Gallagher's group-level cyber practice gives clients access to the Gallagher eRiskHub risk-management portal and a dedicated claims team that includes cyber forensic accountants; the small-business product page does not describe an equivalent service for that segment. ²Company-reported. Group-level cyber liability page; not confirmed as included with the small-business product.

Newfront says dedicated cyber security specialists advise on security-improvement opportunities and current cybersecurity practices against phishing, ransomware and DDoS threats, and that its Tech E&O and Cyber team negotiates bespoke policy language. ³Company-reported. Subject Matter Expertise section of the cyber page.