Hiscox vs 
Newfront: How Do They Compare for Professional Liability (E&O) Insurance?
Hiscox is the do-it-yourself route, selling professional liability online to small businesses. Newfront, a broker, serves seed-stage to public companies, starting with a consultation and offering a 24/7 policy dashboard.
Newfront's Executive Risk team places E&O for private companies from seed funding through public companies, while Hiscox underwrites and sells a small-business version of the policy directly online. 5,1,4
What Are the Key Differences Between Hiscox and Newfront Professional Liability (E&O) Insurance?
Who Each Serves
Newfront's Executive Risk page says the practice serves private companies from seed-stage funding through later rounds and public companies it has worked with in over 500 instances: 5
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. 5Company-reported. Executive Risk page's Here for the Long Run section; a practice-wide statement, not E&O-specific eligibility criteria.
Hiscox instead sells professional liability directly online to small businesses, licensed for sale in 49 states and Washington, D.C., excluding Alaska. 1
When comparing Hiscox and Newfront, use the stated fit categories to rule either provider in or out before spending time on an application.
Who Carries the Risk
Newfront's reviewed page does not name an insurer for E&O placements; it describes negotiating coverage on the client's behalf, so the carrier would vary by placement. 5 Hiscox names Hiscox Insurance Company Inc. as the underwriter of its own admitted policies. 4
Getting Started
Newfront has buyers request a consultation that asks for industry, company details and the service needed, rather than issuing an instant quote. 6 Hiscox instead lets eligible buyers quote and buy professional liability online directly, with licensed advisors available by phone for questions. 1
What Should You Confirm in Hiscox and Newfront Professional Liability (E&O) Insurance Quotes?
- Ask Newfront which specific insuring agreement and exclusions apply to its E&O coverage, since the reviewed page only names the coverage. 5
- Confirm whether Hiscox sells this product directly in your state, since it excludes Alaska. 1
- Ask Newfront which insurer would actually issue your policy once it negotiates a placement. 5
- Ask both firms for the policy limit and retention, since neither publishes figures. 5 2
Hiscox vs Newfront Professional Liability (E&O) Insurance Compared
Hiscox vs Newfront: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Hiscox Professional Liability Insurance | Newfront Executive Risk Errors & Omissions |
|---|---|---|
| Who It’s For | Hiscox says professional liability is licensed for sale in 49 states and Washington, D.C., excluding Alaska, and that if it does not sell the product online in a buyer's state, a specialist broker may be able to help instead. 1,4Company-reported. Company-stated jurisdiction for the online small-business catalogue; the appetite guide's technology classes (IT consultants, software development) illustrate typical buyers but do not guarantee acceptance for any one applicant. | 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. 5Company-reported. Executive Risk page's Here for the Long Run section; a practice-wide statement, not E&O-specific eligibility criteria. |
| How to Apply | Hiscox says eligible buyers can quote and buy professional liability online, with licensed advisors available by phone during posted hours for questions during the process. 1Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application. | 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. 6Company-reported. General consultation intake, not an E&O-specific application path. |
| Role in This Line | Hiscox Inc., a licensed insurance intermediary, sells professional liability (errors and omissions) coverage directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. 3,1Company-reported. Company-stated online small-business channel. | 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. 5Company-reported. Executive Risk page's Key Coverages list; general professional E&O, not the technology E&O line placed by the cyber practice. |
