Alliance Risk vs Newfront Employment Practices Liability Insurance

Alliance Risk places EPLI as a broker and describes itself as specializing in management liability for businesses operating in employment-litigation-heavy states such as California and New York. ³Company-reported. EPLI product page; Alliance Risk does not underwrite the policy itself.

Newfront's Executive Risk practice brokers EPLI coverage, negotiating placement for management-liability lines. Deirdre Finn, the Executive Risk Solutions Practice Leader, oversees the D&O, employment-practices and fiduciary book of business. ⁹Company-reported. Executive Risk offering page and Leadership section.

The reviewed EPLI page does not name the insurer that would issue a policy; coverage terms, conditions and availability are described as varying by carrier, state and individual circumstances. ³Not publicly disclosed. EPLI product page as read on 2026-09-23.

The reviewed Executive Risk page does not name the insurer or insurers that would issue an EPLI policy placed through Newfront. ⁹Not publicly disclosed. Executive Risk page as read on 2026-09-23; carrier depends on the specific placement.

Alliance Risk targets EPLI at small businesses under 50 employees, high-risk industries such as healthcare, staffing, retail and hospitality, multi-state employers, and companies with complex workforces including contractors and foreign nationals. ³Company-reported. EPLI product page; eligibility for a particular company depends on underwriting.

Alliance Risk says a company should add EPLI coverage as it crosses into double-digit headcount, since employment claims rise with every new hire. ⁴Company-reported. Management liability page's program-staging guidance, describing EPLI specifically among the three bundled lines.

Newfront says it services private companies from seed round through every series of funding and has worked with over 500 publicly traded companies, without an EPLI-specific eligibility threshold. ⁹Company-reported. Here for the Long Run section; figures describe the executive-risk practice broadly, not EPLI specifically.

Alliance Risk lists wrongful termination, discrimination, harassment, retaliation and failure to promote as typically covered EPLI claim types, with wage-and-hour violations often covered subject to a sublimit; it says claims under the National Labor Relations Act, criminal misconduct and benefit-plan ERISA breaches are excluded and routed to fiduciary liability coverage instead. ³Company-reported. EPLI product page; coverage table and exclusions; actual policy wording and sublimits vary by carrier.

Newfront lists Employment Practices Liability Insurance (EPLI) among its Executive Risk Key Coverages, and describes its management-liability work as "shielding D&Os from wrongful discrimination, termination, and other employment-related issues." ⁹Company-reported. Key Coverages list and Committed to Client Advocacy section; the quoted language frames EPLI around protecting leadership rather than describing named insuring agreements.

Alliance Risk recommends EPLI limits by profile: $500,000-$1M for companies under 20 employees with strong HR and no prior claims, $1M for most small businesses, $2M-$5M for 50-plus employees or multi-state operations, and a $2M-plus minimum for California or New York employers. ³Company-reported. EPLI product page's recommended-limit table; illustrative guidance, not a quote for any particular company.

Alliance Risk says entry-level management-liability packages that bundle EPLI with D&O and fiduciary often share a single aggregate limit, so a large D&O or fiduciary claim earlier in the policy year can reduce what is left for an EPLI claim; it says a specialist broker structures shared versus separate limits to manage that risk. ⁴Company-reported. Management liability page's discussion of bundled D&O, EPLI and fiduciary programs.

The reviewed Executive Risk page does not publish EPLI limits or retentions. ⁹Not publicly disclosed. Executive Risk page as read on 2026-09-23.

Alliance Risk's EPLI risk review evaluates a company's HR practices, such as its handbook, anti-harassment training and termination procedures, and markets the risk to EPLI carriers, saying it typically delivers proposals within a few business days. ³Company-reported. EPLI product page, Get your EPLI risk review section; timing is a company estimate, not a guarantee.

Newfront says it tailors guidance for every growth stage using predictive models to help coverage adapt to evolving risks, and offers 24/7 dashboard access to policies, certificates and billing. ⁹Company-reported. The Newfront Difference and Industry-Leading Technology sections of the Executive Risk page.

For an EPLI quote, Alliance Risk asks for employee count and locations, industry and states of operation, the types of employment decisions at issue, HR practices in place, existing coverage and limits, and a five-year claims history of EEOC charges, lawsuits and settlements. ³Company-reported. EPLI product page, Get your EPLI risk review section.

You start an EPLI placement by requesting a consultation through Newfront's Executive Risk page. ⁹Company-reported. Executive Risk page call-to-action; no online quoting or binding described.

The reviewed EPLI page does not describe an Alliance Risk claims-handling or claims-advocacy process; it discusses what an EPLI policy covers rather than how Alliance Risk itself supports a claim. ³Not found in reviewed sources. EPLI product page as read on 2026-09-23.

Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to an EPLI claim. ⁹Company-reported. The Newfront Difference section; described across Executive Risk lines, not an EPLI-specific claims workflow.