Harper vs Newfront Professional Liability (E&O) Insurance

Harper places professional liability coverage as a broker, writing the policy around the applicant's actual services rather than underwriting it, and describes a specialist handling the placement. ³Company-reported. Professional liability page introduction and 'Why Harper' section.

Harper markets the identical policy under two catalogue entries, "Professional Liability" and "Errors and Omissions"; the E&O page states it is the same policy, just named what a given industry calls it. ^4,5Company-reported. Coverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products.

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. ¹⁰Company-reported. Executive Risk page's Key Coverages list; general professional E&O, not the technology E&O line placed by the cyber practice.

The reviewed pages name pricing drivers (services performed, revenue, contract size) but do not name the issuing insurer or publish specific limit, retention or premium figures for this line. ^3,4Not publicly disclosed. Checked both the professional-liability and errors-and-omissions pages on 2026-09-23; neither names a carrier or a limit figure.

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. ¹⁰Not found in reviewed sources. Checked the Executive Risk page for a named E&O carrier; none was found.

Harper targets consultants, agencies, tech firms and licensed professionals whose work product is advice, design or a decision, since general liability doesn't cover a client claiming that work caused a financial loss. ³Company-reported. Professional liability page introduction and FAQ distinguishing it from general liability.

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. ¹⁰Company-reported. Executive Risk page's Here for the Long Run section; a practice-wide statement, not E&O-specific eligibility criteria.

Harper describes coverage for errors and omissions in the work itself, negligence allegations about professional judgment, and legal defense costs, with limits it says are matched to the client contracts that require the policy. ^3,4Company-reported. Professional liability page's four coverage tiles; the E&O page adds that claims often surface a year or more after the work was delivered. The issued policy and its exclusions control actual scope.

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. ¹⁰Not found in reviewed sources. Executive Risk page as read on 2026-09-23; only a coverage-name listing was found for E&O specifically.

Not described in the reviewed sources.

Published limits or retentions for E&O coverage were not found on the reviewed page. ¹⁰Not publicly disclosed. Executive Risk page as read on 2026-09-23; limits are quote-specific for broker placements.

Harper says it reads a policy's exclusions line by line before a client buys, because two E&O policies with the same limit can respond very differently to the same claim. ³Company-reported. Professional liability page 'We know this' section; a described review practice, not an independently verified outcome.

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. ¹⁰Company-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.

You request a quote online or by phone; if a client contract requires E&O, Harper says it places coverage matching that requirement and issues the certificate the same day. ³Company-reported. Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'.

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. ¹¹Company-reported. General consultation intake, not an E&O-specific application path.