Hub International vs Newfront: Telehealth Insurance

HUB International arranges virtual-care coverage packages and flags areas such as telehealth injury and data security to check. Newfront brokers digital health programs across company stages and offers financial, professional, product, and cyber coverage options.

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

What Are the Key Differences Between HUB International and Newfront Telehealth Insurance?

Healthcare Practice Versus Digital-Health Team

HUB describes a healthcare practice that assesses operational, financial and strategic risks for virtual-care organizations. Newfront says clients can manage policies, certificates, claims and invoices on its platform 24/7 and use playbooks for contracts and claims. [4] [5]

Lines Each Practice Lists

HUB lists virtual-care medical professional liability, technology E&O, products liability, cyber liability and data security, general liability, and management liability such as D&O and EPL. Newfront lists financial injury, professional liability, product liability and cyber liability, plus compliance support for data-breach and patient-privacy rules. D&O and EPL are on HUB’s list; Newfront’s reviewed digital-health list does not name those management-liability lines. [4] [5]

Who Each Practice Is Built For

HUB targets healthcare organizations offering virtual care and telehealth, and flags Patient Compensation Fund states, COVID-19 virtual-consultation exclusions, injury wording for virtual services, and data-security exposure. Newfront says it designs programs for companies at any stage, from start-up to market leader, without a stated size threshold. A licensed health system in a PCF state is in HUB’s described lane; a seed-stage digital-health company is in Newfront’s stated any-stage lane. [4] [5]

How Each Broker Services the Account

HUB says it assesses operational, financial and strategic risks facing virtual-care organizations as part of arranging coverage. Newfront says clients can administer policies, certificates, claims and invoices on its platform with 24/7 access, and that it provides custom playbooks for contracts and claims. One described service is a pre-placement risk assessment; the other is ongoing program administration. Ask both how those services show up after bind. [4] [5]

What Should You Confirm in HUB International and Newfront Telehealth Insurance Quotes?

  • Ask HUB whether Patient Compensation Fund rules apply and which insurers quote each line. [4]
  • Ask Newfront which insurer issues the program and how wearables are scheduled. [5]
  • Confirm whether D&O or EPL is in the same placement. [4]
  • Check HUB’s COVID-19 and virtual-injury flags against Newfront’s professional-liability wording. [4] [5]
  • Get limits and retentions from both. [5]

HUB lists medical, technology, cyber, general and management liability for virtual-care organizations and flags Patient Compensation Fund states; Newfront designs digital-health programs for any company stage and supports wearables through its cyber team.

Sources reviewed

  1. 01
    Virtual Care

    Beazley · Integrated risk protection package; Affirmative coverage for claims made against an insured which results in bodily injury; Traditional healthcare entities – Professional Liability; telehealth space · accessed 2026-09-16

  2. 02
    Digital health insurance | eHealth

    CFC · Telemedicine and telehealth uses technology to deliver care at a distance; Telemedicine, mHealth, artificial intelligence and remote patient monitoring; Bodily injury arising from healthcare services, technology activities, cyber events and system outages; Cyber and privacy; related medical malpractice product · accessed 2026-09-16

  3. 03
    Telehealth FAQs

    Florida Department of Health · What is telehealth?; Out-of-State Telehealth Provider registration; Maintain liability coverage or financial responsibility for telehealth services provided to patients in Florida; Florida licensee treating patients outside Florida must review the laws in the location of the patient · accessed 2026-09-16

  4. 04
    Virtual Care Insurance Brokerage Coverage

    HUB International · Virtual care medical professional liability; Products liability; Cyber liability; General liability; bodily injuries from healthcare services and technology activities; program tailored to the needs of your practice or organization · accessed 2026-09-16

  5. 05
    Digital Health and Telemedicine Insurance Solutions

    Newfront · Our approach: Compliance + customer protection, Strategies for the journey, Cyber liability expertise, Vertically-dedicated team, A tech-forward take; The Newfront difference: Step-by-step claims guidance, Industry-leading technology · accessed 2026-09-23

Areas of coverage

HUB International

  • role: HUB brokers a package of coverages for virtual care organizations through its healthcare industry practice rather than underwriting the policies itself. Virtual care insurance product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: HUB lists coverages it arranges for virtual care organizations, including virtual care medical professional liability, technology errors and omissions, products liability, cyber liability and data security, general liability, and management liability such as D&O and employment practices liability. Product-page coverage list; the issued policies and their exclusions control an actual claim.company-reportedSource ↗
  • eligibility: HUB targets this package at healthcare organizations offering virtual care and telehealth services, and flags Patient Compensation Fund states as having specific rules and regulations that can affect coverage. Product-page eligibility framing; not a published underwriting appetite by state or care specialty.company-reportedSource ↗
  • coverage: HUB flags specific risks buyers should check, including insurers that may exclude COVID-19-related virtual consultations, ambiguity over whether a policy covers injuries from virtual healthcare services, and data-security exposure since patient and personal data are at high risk across virtual health platforms. Product-page risk-identification section; describes coverage questions to raise, not confirmed exclusions in any specific policy.company-reportedSource ↗
  • services: HUB says it assesses the operational, financial and strategic risks facing virtual care organizations as part of arranging this coverage. Product-page service description; a company-reported capability.company-reportedSource ↗
  • insurer: The virtual care insurance page does not name an issuing insurer for any of the bundled coverages; HUB places this business with insurers that vary by client and placement. Checked the virtual care insurance page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗

Newfront

  • role: Newfront brokers insurance programs for digital-health and telemedicine businesses through a dedicated Digital Health & Telemedicine team; it does not underwrite the coverage. Digital health page intro and Our approach section.company-reportedSource ↗
  • insurer: The reviewed digital-health page does not name an issuing insurer; it describes working with 'cyber risk professionals' internally rather than naming carriers. Page as read on 2026-09-23.not-disclosedSource ↗
  • eligibility: Newfront says its Digital Health & Telemedicine team designs programs for companies at any stage, from start-up to market leader, without stating a minimum revenue or size threshold. Strategies for the journey section.company-reportedSource ↗
  • coverage: Newfront lists financial injury, professional liability, product liability, and cyber liability as risk categories its digital-health programs address, along with compliance support tied to data-breach and patient-privacy regulations. Page intro and Compliance + customer protection section.company-reportedSource ↗
  • limits: The reviewed page does not publish limit ranges or retentions for digital-health programs; coverage is described as custom-designed per client rather than with a fixed schedule. Page as read on 2026-09-23.not-disclosedSource ↗
  • services: Newfront says its team addresses novel exposures such as wearables and device-based data capture, and works with its cyber risk group on phishing and ransomware exposure, regulatory issues, and coverage benchmarking. Vertically-dedicated team and Cyber liability expertise sections.company-reportedSource ↗
  • services: Newfront says clients can view policies, request changes, find certificates, submit claims, and pay invoices through its platform, with 24/7 access to their insurance program. A tech-forward take and Industry-leading technology sections.company-reportedSource ↗
  • claims: Newfront says it provides custom playbooks that guide clients through contract details or claims processes so they know what to do and who to contact. Step-by-step claims guidance section.company-reportedSource ↗

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