---
title: "Newfront vs The Hartford Professional Liability (E&O) Insurance"
description: "The Hartford underwrites E&O directly with published average premiums; Newfront's Executive Risk page lists the line without naming price or insurer."
canonical: "https://spot.insure/compare/newfront-vs-the-hartford/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Newfront vs The Hartford Professional Liability (E&O) Insurance

The Hartford underwrites E&O directly with published average premiums; Newfront's Executive Risk page lists the line without naming price or insurer.

## Research Scope and Use

Use this comparison to evaluate Newfront and The Hartford 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

The Hartford underwrites professional liability directly and publishes average minimum monthly premiums by product, while Newfront's Executive Risk team brokers E&O within a bundled suite without naming an insurer or price. [10](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [5](https://www.newfront.com/executive-risk "Executive Risk")

## 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. [1](https://www.newfront.com/business-insurance "Business Insurance") [2](https://www.newfront.com/total-rewards "Employee Benefits") [3](https://www.newfront.com/navigator "Newfront Navigator") [4](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 The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [7](https://www.thehartford.com/legal-notice "Legal Notice") [8](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [9](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## 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. [11](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [12](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [13](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [14](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

### Underwriter Versus Broker

The Hartford's page describes underwriting professional liability directly, protecting businesses for mistakes in the professional services provided to clients, including claims that turn out to be baseless. [10](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") Newfront instead brokers E&O as part of its Executive Risk practice, placing the coverage alongside D&O, EPLI and fiduciary liability rather than underwriting it. [5](https://www.newfront.com/executive-risk "Executive Risk")

### Pricing Transparency

The Hartford's page breaks pricing out by product, a level of detail Newfront's page doesn't include:

The Hartford publishes average minimum monthly premiums by product: Misc. Professional Liability Standalone $62, Misc. Professional Liability Endorsement $41, Architects and Engineers Professional Liability $239, Healthcare Professionals Professional Liability $38, and Errors & Omissions Insurance for Technology Companies $146. The page does not publish standard coverage limits or retentions; cost and limits are set at quote. [10](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits..)

Newfront's Executive Risk page instead describes a proprietary dashboard and pre-populated renewal submissions, without a comparable published price list. [5](https://www.newfront.com/executive-risk "Executive Risk")

### Reporting-Period Terms

The Hartford says many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period, typically 30-60 days and extendable to a year or more for an added cost. [10](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") Newfront's Executive Risk page names E&O as a covered line but the reviewed page does not describe reporting-period terms the way The Hartford's page does. [5](https://www.newfront.com/executive-risk "Executive Risk")

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

- Ask The Hartford whether your profession falls under one of its published pricing categories or a different underwriting tier. [10](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")
- Ask Newfront for the specific E&O insuring agreement and exclusions, since the Executive Risk page names the coverage without describing its terms. [5](https://www.newfront.com/executive-risk "Executive Risk")
- Confirm the extended-reporting-period length and cost on any claims-made quote from The Hartford. [10](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")
- Neither page publishes E&O limits for Newfront's placement; get them in writing before binding. [10](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [5](https://www.newfront.com/executive-risk "Executive Risk")

## Offering Details

| Criteria | Newfront Executive Risk Errors & Omissions | The Hartford Professional Liability Insurance (Errors & Omissions) |
| --- | --- | --- |
| Role in This Line | 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. [5](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..) | The Hartford's professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses when they make mistakes in the professional services provided to clients, including claims that turn out to be baseless. [10](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23..) |
| Issuing Insurer | 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. [5](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..) | Not described in the reviewed sources. |
| Who It’s For | 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. [5](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..) | The Hartford targets professional liability at businesses that sign contracts requiring coverage, offer professional services directly to customers, or regularly give advice to clients, and lists industries it covers: accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. [10](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23..) |
| Coverage Features | 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. [5](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..) | The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. [10](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls..) |
| Limits and Retentions | Published limits or retentions for E&O coverage were not found on the reviewed page. [5](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..) | The Hartford publishes average minimum monthly premiums by product: Misc. Professional Liability Standalone $62, Misc. Professional Liability Endorsement $41, Architects and Engineers Professional Liability $239, Healthcare Professionals Professional Liability $38, and Errors & Omissions Insurance for Technology Companies $146. The page does not publish standard coverage limits or retentions; cost and limits are set at quote. [10](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits..) |
| Risk Services | 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. [5](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..) | Not described in the reviewed sources. |
| How to Apply | 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. [6](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..) | Not described in the reviewed sources. |

## Full Comparison

- [Newfront vs The Hartford](https://spot.insure/compare/newfront-vs-the-hartford): 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.
- [Newfront vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/newfront-vs-the-hartford/commercial-auto)
- [Newfront vs The Hartford Commercial Property Insurance](https://spot.insure/compare/newfront-vs-the-hartford/commercial-property)
- [Newfront vs The Hartford Crime Insurance](https://spot.insure/compare/newfront-vs-the-hartford/crime)
- [Newfront vs The Hartford Cyber Insurance](https://spot.insure/compare/newfront-vs-the-hartford/cyber)
- [Newfront vs The Hartford D&O Insurance](https://spot.insure/compare/newfront-vs-the-hartford/directors-officers)
- [Newfront vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/newfront-vs-the-hartford/employment-practices)
- [Newfront vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/newfront-vs-the-hartford/fiduciary)
- [Newfront vs The Hartford General Liability Insurance](https://spot.insure/compare/newfront-vs-the-hartford/general-liability)
- [Newfront vs The Hartford Management Liability Insurance](https://spot.insure/compare/newfront-vs-the-hartford/management-liability)
- [Newfront vs The Hartford Tech E&O Insurance](https://spot.insure/compare/newfront-vs-the-hartford/technology-errors-omissions)
- [Newfront vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/newfront-vs-the-hartford/workers-compensation)
- [Alliance Risk vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/professional-errors-omissions)
- [Alliance Risk vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/professional-errors-omissions)
- [At-Bay vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-newfront/professional-errors-omissions)
- [At-Bay vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-the-hartford/professional-errors-omissions)
- [Beazley vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-newfront/professional-errors-omissions)
- [Beazley vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-the-hartford/professional-errors-omissions)

## Sources

### Newfront

1. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
2. [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.
3. [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.
4. [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.
5. [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.
6. [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.

### The Hartford

7. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
8. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
9. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
10. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; What Is Professional Liability Insurance Coverage?; What Does Professional Liability Insurance Cover?; Who Needs Professional Liability Insurance Coverage?; How Much Does Professional Liability Insurance Cost?; How Does Professional Liability Insurance Work? (claims-made vs. occurrence). Accessed 2026-09-23.

### Professional Liability (E&O) Insurance Guide

11. [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.
12. [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.
13. [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.
14. [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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