Gallagher vs Newfront Professional Liability (E&O) Insurance

Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. ⁶Company-reported. Gallagher Small Business's direct-to-small-business E&O product page.

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. ¹¹Company-reported. Executive Risk page's Key Coverages list; general professional E&O, not the technology E&O line placed by the cyber practice.

The E&O product page does not name the insurer that would issue a given business's policy. ⁶Not publicly disclosed. Checked the E&O product page on 2026-09-23.

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. ¹¹Not found in reviewed sources. Checked the Executive Risk page for a named E&O carrier; none was found.

Gallagher recommends E&O for small businesses that provide a specific professional service, naming technology, insurance, accounting, tax, wealth management and legal services, and lists doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers as example professionals; it also notes that many client contracts require carrying E&O. ⁶Company-reported. Product page eligibility and recommended-professions lists; actual acceptance depends on 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. ¹¹Company-reported. Executive Risk page's Here for the Long Run section; a practice-wide statement, not E&O-specific eligibility criteria.

Gallagher describes E&O as protecting against client charges of negligence or injury tied to professional services, covering losses, attorney fees and court costs regardless of fault, and specifically responding to alleged or actual negligence, personal injury, copyright infringement, punitive damages, and claims against past work, temporary staff or independent contractors. ⁶Company-reported. Product page coverage description; the issued policy and its exclusions control. Note this record excludes medical malpractice, which the page treats as a separate specialized coverage covered under its own line.

Gallagher's small-business team says the E&O market has seen consistent rate increases that have started to moderate, driven by higher claim frequency, litigation costs and a more litigious environment, and that insurers are more selective and require more detailed underwriting information. ⁶Company-reported. Product page market-commentary section; a general market view, not a quote for any specific business.

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. ¹¹Not found in reviewed sources. Executive Risk page as read on 2026-09-23; only a coverage-name listing was found for E&O specifically.

The E&O product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. ⁶Not publicly disclosed. Checked the E&O product page on 2026-09-23.

Published limits or retentions for E&O coverage were not found on the reviewed page. ¹¹Not 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. ¹¹Company-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.

Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start an E&O quote. ⁶Company-reported. Product page "Get Covered Now" section.

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. ¹²Company-reported. General consultation intake, not an E&O-specific application path.