---
title: "Gallagher vs Newfront Professional Liability (E&O) Insurance"
description: "Newfront's page names E&O only inside a broader coverage list; Gallagher runs a dedicated E&O page with a named coverage description."
canonical: "https://spot.insure/compare/gallagher-vs-newfront/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/gallagher-vs-newfront/professional-errors-omissions)

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

Newfront's page names E&O only inside a broader coverage list; Gallagher runs a dedicated E&O page with a named coverage description.

## Research Scope and Use

Use this comparison to evaluate Gallagher 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 Errors and Omissions among several coverages it places without describing the insuring agreement, while Gallagher's dedicated E&O page describes specific covered scenarios such as copyright infringement and punitive damages. [11](https://www.newfront.com/executive-risk "Executive Risk") [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")

## What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## 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. [7](https://www.newfront.com/business-insurance "Business Insurance") [8](https://www.newfront.com/total-rewards "Employee Benefits") [9](https://www.newfront.com/navigator "Newfront Navigator") [10](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. [13](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [14](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [15](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [16](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

### A Named Coverage Versus a Described One

Newfront's Executive Risk page names Errors and Omissions among the coverages its practice places, alongside D&O, EPLI and fiduciary liability, without describing the insuring agreement for that line specifically. [11](https://www.newfront.com/executive-risk "Executive Risk") Gallagher instead runs a dedicated Errors and Omissions page that names specific covered scenarios: alleged negligence, personal injury, copyright infringement, punitive damages, and claims against past work, temporary staff or contractors. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")

### Starting a Placement

Newfront requires a scheduled consultation that asks for your industry, company details and the service you need, rather than an instant quote. [12](https://www.newfront.com/talk-to-an-expert "Get Started Today") Gallagher instead offers an online quote form, a small business advisor phone line, and a scheduled callback request:

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. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Product page "Get Covered Now" section..)

### Who Each Practice Serves

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. [11](https://www.newfront.com/executive-risk "Executive Risk") Gallagher instead names specific industries directly for E&O: technology, insurance, accounting, tax, wealth management and legal services, plus doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")

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

- Ask Newfront for the specific insuring agreement, exclusions and policy form its Executive Risk team would place for your E&O. [11](https://www.newfront.com/executive-risk "Executive Risk")
- Ask Gallagher which partner carrier would underwrite your specific E&O policy, since its page does not name one. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")
- Newfront's page publishes no limit figures for E&O, and Gallagher's page publishes none either; request specific amounts from both. [11](https://www.newfront.com/executive-risk "Executive Risk") [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")
- Neither Newfront's nor Gallagher's reviewed pages name an issuing insurer for E&O; ask both which carrier would issue your policy. [11](https://www.newfront.com/executive-risk "Executive Risk") [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")

## Offering Details

| Criteria | Gallagher Small Business Errors and Omissions Insurance | Newfront Executive Risk Errors & Omissions |
| --- | --- | --- |
| Role in This Line | Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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. [11](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 E&O product page does not name the insurer that would issue a given business's policy. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: 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. [11](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 | 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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. [11](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 | 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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..)<br><br>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. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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. [11](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 | The E&O product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: 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. [11](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. [11](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 | 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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. [12](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..) |

## Full Comparison

- [Gallagher vs Newfront](https://spot.insure/compare/gallagher-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.
- [Gallagher vs Newfront Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-newfront/commercial-auto)
- [Gallagher vs Newfront Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-newfront/commercial-property)
- [Gallagher vs Newfront Crime Insurance](https://spot.insure/compare/gallagher-vs-newfront/crime)
- [Gallagher vs Newfront Cyber Insurance](https://spot.insure/compare/gallagher-vs-newfront/cyber)
- [Gallagher vs Newfront D&O Insurance](https://spot.insure/compare/gallagher-vs-newfront/directors-officers)
- [Gallagher vs Newfront Employee Health Benefits](https://spot.insure/compare/gallagher-vs-newfront/employee-health-benefits)
- [Gallagher vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-newfront/employment-practices)
- [Gallagher vs Newfront Fidelity Bonds](https://spot.insure/compare/gallagher-vs-newfront/fidelity-bonds)
- [Gallagher vs Newfront Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-newfront/fiduciary)
- [Gallagher vs Newfront General Liability Insurance](https://spot.insure/compare/gallagher-vs-newfront/general-liability)
- [Gallagher vs Newfront Product Recall Insurance](https://spot.insure/compare/gallagher-vs-newfront/product-recall)
- [Gallagher vs Newfront Representations and Warranties Insurance](https://spot.insure/compare/gallagher-vs-newfront/representations-warranties)
- [Gallagher vs Newfront Surety Bonds](https://spot.insure/compare/gallagher-vs-newfront/surety-bonds)
- [Gallagher vs Newfront Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-newfront/technology-errors-omissions)
- [Gallagher vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-newfront/umbrella-excess)
- [Gallagher vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-newfront/workers-compensation)
- [Alliance Risk vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/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 Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-gallagher/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 Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-gallagher/professional-errors-omissions)
- [Beazley vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-newfront/professional-errors-omissions)

## Sources

### Gallagher

1. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
5. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
6. [Errors and Omissions Insurance](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/). Gallagher Small Business; What is Errors and Omissions Insurance?; Do you need Errors and Omissions insurance?; Recommended for professionals including; E&O trends; An E&O policy protects you from; Consider this claim scenario; Get Covered Now. Accessed 2026-09-23.

### Newfront

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

13. [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.
14. [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.
15. [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.
16. [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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