At Bay vs Newfront: Technology E&O Insurance

Newfront is a broker: you request a consultation and its Cyber Risk team negotiates bespoke Tech E&O wording alongside cyber. At-Bay offers its own Tech E&O product, with limits to $10 million and Stance included.

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

At-Bay describes a Tech E&O policy, published limits and Stance. Newfront brokers Technology E&O through its Cyber Risk practice, saying its Tech E&O and Cyber team negotiates bespoke language rather than selling an off-the-shelf form.

Sources reviewed

  1. 01
    Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application

    ACE American Insurance Company / Chubb · Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6 · accessed 2026-09-16

  2. 02
    At-Bay Begins Issuing Policies on its own E&S Paper

    At-Bay · August 9, 2023 release: "At-Bay ... has begun issuing Cyber and Tech E&O policies under its Delaware-based Excess and Surplus (E&S) carrier, At-Bay Specialty Insurance Company"; "All E&S Cyber and Tech E&O new business in eligible states and territories is now being quoted on At-Bay Specialty Insurance Company paper, as of August 7, 2023" · accessed 2026-09-23

  3. 03
    Claims Handling

    At-Bay · At-Bay Cyber Incident Roadmap; Call an At-Bay Breach Coach; The At-Bay Claims Team · accessed 2026-09-23

  4. 04
    Licenses

    At-Bay · At-Bay Insurance Services LLC producer introduction and 50-state P&C/surplus-lines license table · accessed 2026-09-23

  5. 05
    Tech E&O Insurance Coverage and Policy Highlights

    At-Bay · Tech E&O Coverage Highlights; Primary & Excess Appetite; InsurSec Packages (Core, Advanced, Complete); footnotes 1–7 · accessed 2026-09-23

  6. 06
    DigiTech Enterprise Risk Management

    Chubb · Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer · accessed 2026-09-16

  7. 07
    Insurance and Bonding Guidelines

    Georgia Department of Administrative Services · Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8 · accessed 2026-09-16

  8. 08
    Glossary of Insurance Terms

    National Association of Insurance Commissioners · Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical · accessed 2026-09-16

  9. 09
    Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)

    New York State Office of General Services · §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note · accessed 2026-09-16

  10. 10
    Cyber Risk

    Newfront · Key Coverages to Protect Your Business: Technology Errors and Omissions (E&O); Subject Matter Expertise: "Tech E&O and Cyber team negotiates bespoke language to ensure the broadest terms available in the marketplace"; Our Approach: Coverage Negotiation, Claims Consultation; Leadership: Jennifer Wilson · accessed 2026-09-23

  11. 11
    Get Started Today

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

  12. 12
    Technology Errors and Omissions Insurance

    The Hartford · What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts · accessed 2026-09-16

  13. 13
    Cyber Risk for Technology Companies

    Travelers · CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services · accessed 2026-09-16

What Are the Key Differences Between At-Bay and Newfront Tech E&O Insurance?

A Published Form Versus Negotiated Placement

At-Bay publishes Tech E&O coverage highlights (expanded contract terms, IP extensions, negligence and contractual indemnity). Newfront lists Technology E&O among the coverages its Cyber Risk practice places and says its Tech E&O and Cyber team “negotiates bespoke language”; the reviewed page does not describe specific tech E&O exclusions or professional-services scope. One side is selling a described At-Bay form; the other is brokering wording it says it negotiates with markets. [5] [10]

When comparing At-Bay and Newfront, use the published detail to screen for fit, then compare the quoted form, exclusions, and limits before buying.

Limits and Modeling

At-Bay states primary and excess limits up to $10 million for revenue up to $5 billion. Newfront says its technology team uses proprietary modeling data to choose limits aligned with exposure, but the reviewed page does not publish limit ranges, retentions or premiums. Newfront does not name an insurer; the carrier depends on the placement. [5] [10]

Services and How You Engage

At-Bay includes Stance with every Tech E&O policy and accepts email or Broker Platform submissions. Newfront describes cyber-infrastructure risk assessment, placement once the client meets carrier requirements, and hands-on claims consultation before and after a breach or claim, applied to the cyber-and-tech-E&O tower together. You start Newfront with a consultation that asks for industry and company details, not an instant quote. [5] [10] [11]

What Should You Confirm in At-Bay and Newfront Tech E&O Insurance Quotes?

  • Whether Newfront is placing Tech E&O beside cyber in one tower, versus At-Bay’s Tech E&O quote. [10] [5]
  • Specimen wording for contract, IP and professional services on both sides. [5] [10]
  • Limit, retention and issuing insurer. [5] [10]
  • How a non-cyber professional-liability claim would be handled; At-Bay’s claims page describes a cyber roadmap, and Newfront describes claims consult for the combined tower. [3] [10]

Areas of coverage

At-Bay

  • role: At-Bay places Tech E&O insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) Tech E&O business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. Producer role from the current license page; carrier role from a 2023 transition announcement covering Cyber and Tech E&O together, not confirmed for every current quote.company-reportedSource ↗Source ↗
  • insurer: The current Tech E&O product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S Tech E&O business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. Tech E&O product page checked today names no insurer; the carrier-transition release is dated August 2023 and does not cover every current state or account.company-reportedSource ↗Source ↗
  • coverage: At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. Product-page coverage highlights; the issued policy and endorsements control actual terms.company-reportedSource ↗
  • coverage: At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. Product-page coverage highlights; the issued policy and endorsements control actual terms.company-reportedSource ↗
  • limits: At-Bay says it writes primary and excess Tech E&O insurance for businesses with revenue up to $5 billion and limits up to $10 million. Through its Broker Platform, brokers can get automated quotes only for businesses up to $100 million in revenue and $3 million in limits. Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts.company-reportedSource ↗
  • services: Every At-Bay Tech E&O policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training, the same InsurSec package structure marketed with its cyber product. Managed detection and response (MDR) is a separate purchase sold by At-Bay Security, LLC. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change.company-reportedSource ↗
  • application: You apply for At-Bay Tech E&O coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings.company-reportedSource ↗
  • claims: At-Bay's claims-handling page describes a cyber incident roadmap and breach-coach hotline for ransomware and system-interruption events, but the reviewed page does not describe a separate process for a Tech E&O claim that does not involve a cyber incident, such as a professional-liability or contract dispute. Claims-handling page as read on 2026-09-23; does not establish that no Tech E&O-specific process exists, only that this page does not describe one.not-foundSource ↗

Newfront

  • role: Newfront lists Technology Errors and Omissions (E&O) as one of the named coverages its Cyber Risk practice places, alongside cyber liability, data breach, business interruption, network security liability and cyber extortion coverage. Newfront brokers this coverage; it does not underwrite it. Cyber Risk page's Key Coverages list.company-reportedSource ↗
  • eligibility: The reviewed page markets the Cyber Risk practice broadly, without a technology-E&O-specific eligibility threshold; Newfront says its cyber team helps clients navigate "increased underwriting standards" as carriers evaluate applicants. Cyber Risk page's Our Approach introduction.company-reportedSource ↗
  • coverage: Newfront names its "Tech E&O and Cyber team" specifically and says that team "negotiates bespoke language to ensure the broadest terms available in the marketplace," indicating technology E&O is negotiated alongside cyber wording rather than sold as an off-the-shelf form; the reviewed page does not describe specific tech E&O exclusions or professional-services scope. Cyber Risk page's Subject Matter Expertise section.company-reportedSource ↗
  • insurer: The reviewed page does not name an insurer for technology E&O placements; as a broker, Newfront's carrier for this line would depend on the placement. Checked the Cyber Risk page for a named tech E&O carrier; none was found.not-foundSource ↗
  • limits: Newfront says its technology team provides "proprietary modeling data to make informed decisions on limits that align with your risk exposure and tolerance," but the reviewed page does not publish specific limit ranges, retentions or premium figures for technology E&O. Cyber Risk page's Subject Matter Expertise section; limit amounts are quote-specific.not-disclosedSource ↗
  • services: Newfront says it delivers risk assessment on cyber infrastructure and policy design, negotiates coverage and placement once a client is aligned with regulatory and carrier requirements, and provides "hands-on" claims consultation before and after a breach or claim, applied to the cyber-and-tech-E&O tower it services together. Cyber Risk page's Our Approach section; describes the cyber practice generally, applied to tech E&O as a listed coverage within it.company-reportedSource ↗
  • application: You engage Newfront's Cyber Risk practice for technology 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 a technology-E&O-specific application path.company-reportedSource ↗

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