Gallagher vs Newfront: Professional Liability / E&O Insurance

Newfront serves seed-stage through public companies, starting with a consultation and offering a 24/7 dashboard; Gallagher Small Business serves small firms with an online quote form and an advisor phone line. Both are brokers.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-25

Areas of coverage

Gallagher

  • role: Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. Gallagher Small Business's direct-to-small-business E&O product page.company-reportedSource ↗
  • coverage: Gallagher describes E&O as protecting against client charges of negligence or injury tied to professional services, covering losses, attorney fees and court costs regardless of fault, and specifically responding to alleged or actual negligence, personal injury, copyright infringement, punitive damages, and claims against past work, temporary staff or independent contractors. Product page coverage description; the issued policy and its exclusions control. Note this record excludes medical malpractice, which the page treats as a separate specialized coverage covered under its own line.company-reportedSource ↗
  • eligibility: Gallagher recommends E&O for small businesses that provide a specific professional service, naming technology, insurance, accounting, tax, wealth management and legal services, and lists doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers as example professionals; it also notes that many client contracts require carrying E&O. Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting.company-reportedSource ↗
  • coverage: Gallagher's small-business team says the E&O market has seen consistent rate increases that have started to moderate, driven by higher claim frequency, litigation costs and a more litigious environment, and that insurers are more selective and require more detailed underwriting information. Product page market-commentary section; a general market view, not a quote for any specific business.company-reportedSource ↗
  • insurer: The E&O product page does not name the insurer that would issue a given business's policy. Checked the E&O product page on 2026-09-23.not-disclosedSource ↗
  • limits: The E&O product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. Checked the E&O product page on 2026-09-23.not-disclosedSource ↗
  • application: Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start an E&O quote. Product page "Get Covered Now" section.company-reportedSource ↗

Newfront

  • role: 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. Executive Risk page's Key Coverages list; general professional E&O, not the technology E&O line placed by the cyber practice.company-reportedSource ↗
  • eligibility: 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. Executive Risk page's Here for the Long Run section; a practice-wide statement, not E&O-specific eligibility criteria.company-reportedSource ↗
  • coverage: 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. Executive Risk page as read on 2026-09-23; only a coverage-name listing was found for E&O specifically.not-foundSource ↗
  • 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. Checked the Executive Risk page for a named E&O carrier; none was found.not-foundSource ↗
  • limits: Published limits or retentions for E&O coverage were not found on the reviewed page. Executive Risk page as read on 2026-09-23; limits are quote-specific for broker placements.not-disclosedSource ↗
  • 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. Executive Risk page's Committed to Client Advocacy and Industry-Leading Technology sections; applies to the practice generally, not documented as E&O-specific.company-reportedSource ↗
  • 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. General consultation intake, not an E&O-specific application path.company-reportedSource ↗

What Are the Key Differences Between Gallagher and Newfront Professional Liability (E&O) Insurance?

Coverage Detail and Quote Access

Newfront lists E&O with D&O, EPLI and fiduciary liability within Executive Risk but does not describe its specific policy terms. [4] Gallagher names covered scenarios including negligence, personal injury, copyright infringement and claims involving past work, temporary staff or contractors. [1]

Choose Gallagher if you want published E&O claim examples and web, phone or callback quote options; choose Newfront if you want to discuss E&O alongside D&O, EPLI or fiduciary coverage in a consultation. [1] [4]

Company Stage

Newfront says Executive Risk serves private companies from seed stage through later rounds and public companies; it does not break those examples down by coverage line. [4] Gallagher's E&O page names professions and industries such as technology, accounting, tax, legal and healthcare. [1]

What Should You Confirm in Gallagher and Newfront Professional Liability (E&O) Insurance Quotes?

  • Ask Newfront which policy form, exclusions, insurer and limits it would use for your E&O. [4]
  • Ask Gallagher which partner carrier would issue your policy. [1]
  • Compare covered services and limits in the actual quotes. [4] [1]

Gallagher publishes E&O scenarios and offers online, phone and callback quote access; Newfront lists E&O in its Executive Risk practice and requires a consultation rather than an instant quote.

Sources reviewed

  1. 01
    Errors and Omissions Insurance

    Gallagher Small Business · What is Errors and Omissions Insurance?; Do you need Errors and Omissions insurance?; Recommended for professionals including; E&O trends; An E&O policy protects you from; Consider this claim scenario; Get Covered Now · accessed 2026-09-23

  2. 02
    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

  3. 03
    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

  4. 04
    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

  5. 05
    Get Started Today

    Newfront · Consultation form: schedule a consultation to see how Newfront can reduce your risk · accessed 2026-09-23

  6. 06
    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

  7. 07
    Get business insurance

    U.S. Small Business Administration · Six common types of business insurance table · accessed 2026-09-16

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