Newfront vs Simply Business: Professional Liability / E&O Insurance

Buyers who like to compare options themselves fit Simply Business, where you answer questions online, compare quotes and pick a policy; Newfront instead begins with a consultation and places E&O for startups through public companies.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-30

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

Consultation versus online quote selection

Newfront places E&O through its Executive Risk team and asks prospects to request a consultation with company and service details. Simply Business describes an online flow to answer business questions, compare quotes and select a policy, although panel approval is required before binding. Newfront’s route gives a prospect a broker conversation; Simply Business starts with self-service comparison, so consider how much guidance your risk needs. [4] [6]

Newfront describes support after placement

Newfront says its Executive Risk service includes integrated claims and coverage negotiation across its lines, including E&O, and a dashboard for 24-hour access to policies, certificates and billing plus prefilled renewal submissions. Simply Business’s E&O overview concentrates on finding quotes and does not describe comparable post-placement tools. Ask who will help with a claim and renewal under the specific Simply Business placement before comparing service expectations. [3] [5]

Their stated business segments differ

Newfront says its Executive Risk practice serves private companies from seed stage through later funding and also works with public companies. Simply Business lists smaller-business examples such as consultants, IT professionals, real-estate agents and bookkeepers. A scaling or public company should confirm whether the requested E&O belongs with Newfront’s Executive Risk team and whether Simply Business offers an appropriate market for its size. [3] [5]

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

  • Ask Newfront to specify the Executive Risk team’s claims and renewal responsibilities; ask Simply Business who supports claims after the panel insurer issues a policy. [3] [5]
  • Confirm that each route will consider your funding stage, revenue, services and client contracts, then compare the insurer, form, limits and binding authority. [3] [6]

Areas of coverage

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 ↗

Simply Business

  • coverage: The page describes protection for claims tied to professional work and lists attorney fees, court costs, settlements and judgments as costs that may be covered; policy wording controls. Company-published professional-errors-omissions information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗
  • eligibility: Simply Business lists consultants, IT professionals, real-estate agents and bookkeepers among the business examples for which it can help find E&O coverage. The examples do not guarantee eligibility. Company-published professional-errors-omissions information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗
  • application: The company describes an online flow to answer business questions, compare quotes and select a policy. Its Terms say an online quote is not guaranteed and binding requires panel-member approval. Company-published professional-errors-omissions information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗Source ↗

Newfront approaches E&O as an executive-risk brokerage placement with claims and coverage negotiation, while Simply Business offers digital quote selection.

Sources reviewed

  1. 01
    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

  2. 02
    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

  3. 03
    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

  4. 04
    Get Started Today

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

  5. 05
    Professional Liability Insurance Coverage

    Simply Business · Coverage lines 45–100; buyer examples lines 101–158; online quote steps lines 237–260. · accessed 2026-09-29

  6. 06
    Terms of Service

    Simply Business · Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. · accessed 2026-09-29

  7. 07
    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

  8. 08
    Get business insurance

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

Ask Kearny Risk to help relate this comparison to your services and contracts.

Contact Kearny Risk