What Is Newfront?
Newfront suits growing and enterprise businesses seeking specialist insurance and benefits teams plus Navigator policy tools; small firms wanting an instant direct quote should compare online carriers. Its Partner Management tool is included in client service agreements. 1,2,3,4
THREE small business insurance: coverage, issuer and buying routes
THREE markets a packaged commercial insurance product through a direct quote route and partner agents. Berkshire Hathaway Direct Insurance Company is named as issuer on THREE’s sample policy. 6,7
What Is Directors and Officers Insurance?
D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. 9,10,11
Key Differences in D&O Insurance
Newfront Lists a Side A DIC Option
Newfront lists D&O for private and public companies and separately names Side A DIC D&O among its Executive Risk coverages. Its claim scope says this difference-in-conditions option requires proposed wording to establish actual triggers and exclusions. THREE markets D&O as a BOP category; that listing does not establish what an applicant's policy includes or how it responds. A company focused on individual director protection should ask Newfront for the Side A DIC wording and ask THREE whether the proposed form includes a comparable layer. 5 8
Newfront Describes D&O Across Private and Public Company Stages
Newfront says its Executive Risk practice serves private companies from seed round through later funding and has worked with public companies on D&O-relevant matters such as M&A and IPOs. THREE instead routes small-business prospects to an overall BOP quote with licensed-advisor help; that route does not establish a D&O offer for a particular applicant. A company approaching an IPO can ask Newfront how D&O placement addresses that transition, while a small business using THREE should first confirm the line is included. 5 6
What to Confirm in D&O Insurance Quotes
Newfront and THREE by Berkshire Hathaway Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Newfront Review Score
Review Score
1 rated source
Newfront has too little firmwide customer feedback for a reliable review verdict. An individual agent’s BBB grade does not establish the wider company’s service quality.[6]
Read Newfront reviewsTHREE by Berkshire Hathaway Review Score
Review Score
2 rated sources
The inspected sources report separate measures: NerdWallet’s 4.0/5 editorial rating is excluded from the source-rating average; Trustpilot displayed 2.5/5 from five user posts and BBB displayed 4.8/5 from 265 reviews. Trustpilot and BBB include different purchase, service and agent/intermediary interactions, not a verified common policyholder cohort. BBB separately lists complaints. Any source-rating average weights eligible platforms equally and is not a pooled, representative customer-experience estimate or a claims-quality measure.[4][3][1][2]
Read THREE by Berkshire Hathaway reviewsNewfront vs THREE by Berkshire Hathaway D&O Insurance Compared
Newfront vs THREE by Berkshire Hathaway: D&O Insurance: documented features by provider
| Criteria | Newfront Directors and Officers (D&O) Insurance | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Newfront's Executive Risk practice brokers D&O coverage, negotiating placement for management-liability lines. Deirdre Finn, the Executive Risk Solutions Practice Leader, oversees this D&O, employment-practices and fiduciary book of business. 5Company-reported. Executive Risk offering page and Leadership section. | THREE presents Directors and Officers as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. 8Company-reported. Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant. |
| Issuing Insurer | The reviewed Executive Risk page does not name the insurer or insurers that would issue a D&O policy placed through Newfront. 5Not publicly disclosed. Executive Risk page as read on 2026-09-23; carrier depends on the specific placement. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. 7Company-reported. This is the issuer named on the public sample only; the sample does not establish the issuing entity for every state-specific quote or buyer's issued policy. |
| Who It’s For | Newfront says it services private companies "from seed round through every series of capital funding," including over 120 unicorn companies, and has worked with over 500 publicly traded companies on D&O-relevant matters such as M&A and IPOs. 5Company-reported. Here for the Long Run section; company-reported client counts, not independently verified. | The reviewed product page does not state separate eligibility rules for Directors and Officers; the general quote and advisor route is not proof that a particular business qualifies for it. 8,6Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms. |
| Coverage Features | Newfront lists "Directors and Officers (D&O)—Private and public companies" and "Side A DIC D&O" among its Executive Risk Key Coverages, and says its D&O work includes protection against securities-related litigation and regulatory investigations. 5Company-reported. Key Coverages list and Committed to Client Advocacy section; Side A DIC is a difference-in-conditions option, and actual trigger and exclusions require the proposed wording. | THREE's Business Owners Policy page lists Directors & Officers among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. 8,7Company-reported. Official THREE package marketing for Directors and Officers. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy. |
| Limits and Retentions | The reviewed Executive Risk page does not publish D&O limits or retentions. 5Not publicly disclosed. Executive Risk page as read on 2026-09-23. | The reviewed public product page does not state a separate limit or deductible for Directors and Officers; THREE says the quote-specific insurance summary lists limits and deductibles. 8,7Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible. |
| Risk Services | Newfront says clients get 24/7 access to their D&O program through its connected dashboard, and that renewals use automated, pre-populated historical data for faster submissions and approvals. 5Company-reported. Industry-Leading Technology section of the Executive Risk page. | Confirm in your quote. |
| How to Apply | Newfront describes a process for private companies transitioning to public status through an IPO, deSPAC or direct listing, and you start a D&O placement by requesting a consultation through the Executive Risk page. 5Company-reported. Committed to Client Advocacy section and page call-to-action; no online quoting or binding described. | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. 6Company-reported. This is the route for the overall THREE product. It does not show whether Directors and Officers will be offered for a particular business or whether a customer can bind that line without an issued policy. |
| Claims Support | Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to a D&O claim. 5Company-reported. The Newfront Difference section; described across Executive Risk lines, not a D&O-specific claims workflow. | Confirm in your quote. |
Related Pages for Newfront vs THREE by Berkshire Hathaway D&O
D&O Insurance Pages for Newfront and THREE by Berkshire Hathaway
Other Coverage Lines Compared for Newfront vs THREE by Berkshire Hathaway
Other D&O Insurance Provider Comparisons
Sources for Newfront vs THREE by Berkshire Hathaway D&O Insurance
Sources About Newfront
- Business Insurance. Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
- Employee Benefits. Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
- WTW Completes Acquisition Of Newfront. WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
- Executive Risk. Newfront; Key Coverages to Protect Your Business: Directors and Officers (D&O)—Private and public companies, Side A DIC D&O; Here for the Long Run: Private Companies, IPOs, Public; Leadership: Deirdre Finn; Industry-Leading Technology. Accessed 2026-09-23.
Sources About THREE by Berkshire Hathaway
- Jargon-free small business insurance - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; Lines 23, 39, 70–81 and 406–410: business location quote entry, single-policy description, issuer, business focus, online quote and licensed Small Business Advisor route. Quote entry inspected without submitting a form. Accessed 2026-09-30.
- The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; State-selectable sample policy: Summary (Declarations) identifies Berkshire Hathaway Direct Insurance Company as issuer and says the insurance summary lists limits and deductibles; sample policy text and state selection do not establish terms for a particular quote or issued policy. Accessed 2026-09-30.
- Business Owners Policy - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; Product page: “No need for multiple policies” and one comprehensive policy; Business Liability, Property and Business Auto categories and the listed line names. Product page footer identifies Berkshire Hathaway Direct Insurance Company, dba THREE. Accessed 2026-09-30.
Sources for the D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
- The Chubb Primary Directors & Officers and Entity Securities Liability Insurance. Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.
