Newfront vs USI Insurance Services Professional Liability (E&O) Insurance

USI names CNA as underwriter for its AICPA-endorsed CPA program; Newfront's Executive Risk page lists E&O without naming an insurer.

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,^2,^3,⁴

Read the Newfront profile

What Is USI Insurance Services?

USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. ^7,^8,⁹

Read the USI Insurance Services profile

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,^14,^15,¹⁶

Read the full coverage guide

Key Differences in Professional Liability (E&O) Insurance

A Named Insurer for One Program

USI's page names a carrier for its AICPA-endorsed program specifically. ¹⁰ Newfront's Executive Risk page does not name an insurer for E&O placements; it describes negotiating coverage on the client's behalf, so the issuing carrier would vary by placement. ⁵

A Decades-Old CPA Program Versus Company Stage

USI's page describes a relationship built around one profession over decades:

USI markets the AICPA program to sole practitioners and regional CPA firms. It has offered CPA coverage since 1967 and has been the endorsed AICPA Program provider since 1994. ¹⁰Company-reported. Program page description.

Newfront instead frames its Executive Risk client base by funding stage, citing private companies from seed funding through later rounds and public companies, rather than a single long-running profession-specific program. ⁵

Services Bundled With the Policy

USI's page says AICPA program enrollees get supportive claims handling and exclusive access to risk-management resources, including engagement-letter templates. ¹⁰ Newfront's Executive Risk page instead describes a proprietary dashboard for 24/7 policy access and pre-populated renewal submissions, a different kind of service layer than USI's claims-handling and template resources. ⁵

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

If you're a CPA firm, ask USI whether you'd be placed in the CNA-underwritten AICPA program or a different market. ¹⁰
Ask Newfront for the specific E&O insuring agreement and exclusions, since the Executive Risk page names the coverage without describing its terms. ⁵
Ask USI whether the AICPA program's risk-management resources extend to its general Business Services E&O placements outside the CPA program. ¹⁰
Neither page publishes limits or retentions for these placements; get both in writing. ¹⁰ ⁵

Offering Details

Newfront vs USI Insurance Services Professional Liability (E&O) Insurance: documented features by provider

Criteria	Newfront Executive Risk Errors & Omissions	AICPA Professional Liability Program (USI Affinity)
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. ⁵Company-reported. Executive Risk page's Key Coverages list; general professional E&O, not the technology E&O line placed by the cyber practice.	For CPA firms, USI runs the AICPA Professional Liability Program through its USI Affinity division as the endorsed producer, rather than underwriting the policy itself. USI's general Business Services practice separately brokers errors and omissions/professional liability coverage for other business types. ^10,¹²Company-reported. AICPA program page and Business Services practice page.
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. ⁵Not found in reviewed sources. Checked the Executive Risk page for a named E&O carrier; none was found.	USI's own page states that the AICPA Professional Liability Program is "underwritten by CNA," naming the carrier for that specific program. USI's general Business Services E&O placements do not name an insurer. ¹⁰Company-reported. Direct quote from the AICPA program page; CNA underwrites only this named program, not USI's other professional-liability placements.
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. ⁵Company-reported. Executive Risk page's Here for the Long Run section; a practice-wide statement, not E&O-specific eligibility criteria.	USI markets the AICPA program to sole practitioners and regional CPA firms. It has offered CPA coverage since 1967 and has been the endorsed AICPA Program provider since 1994. ¹⁰Company-reported. Program page description.
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. ⁵Not found in reviewed sources. Executive Risk page as read on 2026-09-23; only a coverage-name listing was found for E&O specifically.	USI describes the policy as insuring a CPA and their practice against third-party claims that professional services caused financial harm, providing a defense and paying damages for covered claims arising from high-risk situations tied to new clients, changing business plans, or new laws and regulations. ¹⁰Company-reported. Program page description; actual insuring agreements, exclusions and conditions are set by the issued CNA policy form.
Limits and Retentions	Published limits or retentions for E&O coverage were not found on the reviewed page. ⁵Not publicly disclosed. Executive Risk page as read on 2026-09-23; limits are quote-specific for broker placements.	The AICPA program page does not publish limit, retention or premium figures; it says coverage plans allow a firm to tailor coverage to its risk profile. ¹⁰Not publicly disclosed. Page as read on 2026-09-23.
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. ⁵Company-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.	USI says firms enrolled in the program get supportive claims handling and exclusive access to risk-management resources, including engagement-letter templates, in addition to the coverage itself. ¹⁰Company-reported. Program page description.
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. ⁶Company-reported. General consultation intake, not an E&O-specific application path.	USI directs CPA firms seeking a quote or renewal to contact USI Affinity, with a dedicated Affinity_APL@usi.com address for the AICPA program specifically. ¹⁰Company-reported. Contact instructions on the AICPA program page.

Full Comparison

More Newfront vs USI Insurance Services Comparisons

Other Professional Liability (E&O) Insurance Comparisons

Sources

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.
Newfront Navigator. Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
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: 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.
Get Started Today. Newfront; Consultation form: schedule a consultation to see how Newfront can reduce your risk. Accessed 2026-09-23.

USI Insurance Services

The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
Technology Insurance. USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
Accountants Professional Liability — USI Affinity. USI Insurance Services; Quality Professional Liability Insurance Exclusively for CPA Firms; "The AICPA Professional Liability Program, underwritten by CNA, has been offering coverage to CPAs since 1967 and has been the endorsed provider of the AICPA Program since 1994."; supportive claims handling and exclusive access to extensive risk management resources, including engagement letter templates; Email Affinity_APL@usi.com. Accessed 2026-09-23.
USI Specialty Program Solutions. USI Insurance Services; USI Affinity delivers high-quality insurance and financial solutions to members of affinity organizations and targeted industry segments...for professional associations, law firms, alumni and collegiate organizations, travel groups, and insurance administrators. Accessed 2026-09-23.
Business Services. USI Insurance Services; USI advises clients...and provides solutions for...Errors & Omissions/Professional Liability... Accessed 2026-09-23.

Professional Liability (E&O) Insurance Guide

FAQ: Professional liability insurance. 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.
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.
Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
Professional Liability – US Direct Errors and Omissions Insurance. 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.