--- title: "Alliance Risk vs Newfront Employment Practices Liability Insurance" description: "Alliance Risk reviews HR procedures before marketing EPLI; Newfront’s Executive Risk practice frames the line around protecting directors and officers." canonical: "https://spot.insure/compare/alliance-risk-vs-newfront/employment-practices" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/alliance-risk-vs-newfront/employment-practices) # Alliance Risk vs Newfront Employment Practices Liability Insurance Alliance Risk reviews HR procedures before marketing EPLI; Newfront’s Executive Risk practice frames the line around protecting directors and officers. ## Research Scope and Use Use this comparison to evaluate Alliance Risk and Newfront for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Alliance Risk places EPLI after collecting handbook, training and termination-practice details and recommends limits by headcount. Newfront brokers EPLI through an Executive Risk practice led by Deirdre Finn and describes the work as shielding D&Os from wrongful discrimination and termination, without publishing limits. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") [9](https://www.newfront.com/executive-risk "Executive Risk") ## What Is Alliance Risk? Alliance Risk describes itself as an independent commercial insurance brokerage serving complex businesses, including technology startups. Its offering includes technology E&O placement and review of existing policies. [1](https://joinalliancerisk.com/about-us/ "About Us") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) ## What Is Newfront? Newfront is a business-insurance and employee-benefits brokerage that combines specialist teams with online policy-management tools. It is now part of WTW. [5](https://www.newfront.com/business-insurance "Business Insurance") [6](https://www.newfront.com/total-rewards "Employee Benefits") [7](https://www.newfront.com/navigator "Newfront Navigator") [8](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront") [Newfront profile](https://spot.insure/insurance-providers/newfront) ## What Is Employment Practices Liability Insurance? Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [10](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") ## Key Differences in Employment Practices Liability Insurance ### How Each Broker Positions EPLI Alliance Risk treats EPLI as employer-entity protection for small and high-risk workforces and asks for employment-decision types and HR controls before going to market. Newfront lists EPLI among Executive Risk key coverages and describes management-liability work as shielding directors and officers from wrongful discrimination, termination and other employment-related issues, with Deirdre Finn overseeing D&O, employment-practices and fiduciary. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") [9](https://www.newfront.com/executive-risk "Executive Risk") ### Who They Say They Serve Alliance Risk’s targets include firms under 50 employees, healthcare, staffing, retail and hospitality, and California or New York operations. Newfront says the executive-risk practice services private companies from seed through later funding rounds and has worked with over 500 publicly traded companies, without an EPLI-specific headcount cutoff. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") [9](https://www.newfront.com/executive-risk "Executive Risk") ### Services and Numbers on the Page Alliance Risk publishes recommended EPLI limit ranges and a shared-aggregate warning for bundled management liability. Newfront’s Executive Risk page does not publish EPLI limits; it describes predictive-model guidance by growth stage, 24/7 dashboard access, and integrated claims and coverage negotiation across executive-risk lines. Alliance Risk’s EPLI page does not describe that claims workflow. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") [4](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") [9](https://www.newfront.com/executive-risk "Executive Risk") ## What to Confirm in Employment Practices Liability Insurance Quotes - Ask Newfront whether the quoted form is written to protect the entity, directors and officers, or both, given the D&O-centric framing. [9](https://www.newfront.com/executive-risk "Executive Risk") - Compare Alliance Risk’s recommended limit table with the unnamed Newfront placement’s actual limit and retention. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") [9](https://www.newfront.com/executive-risk "Executive Risk") - Get both issuing insurers; neither page names them. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") [9](https://www.newfront.com/executive-risk "Executive Risk") - Confirm how each broker would support an EEOC charge versus a named-director suit. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") [9](https://www.newfront.com/executive-risk "Executive Risk") ## Offering Details | Criteria | Alliance Risk Employment Practices Liability Insurance (EPLI) | Newfront Employment Practices Liability Insurance (EPLI) | | --- | --- | --- | | Role in This Line | 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. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: 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. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk offering page and Leadership section..) | | Issuing Insurer | 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. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Not publicly disclosed; scope: 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. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not publicly disclosed; scope: Executive Risk page as read on 2026-09-23; carrier depends on the specific placement..) | | Who It’s For | 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. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: 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. [4](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") (Evidence: Company-reported; scope: 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. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Here for the Long Run section; figures describe the executive-risk practice broadly, not EPLI specifically..) | | Coverage Features | 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. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: 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." [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Key Coverages list and Committed to Client Advocacy section; the quoted language frames EPLI around protecting leadership rather than describing named insuring agreements..) | | Limits and Retentions | 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. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: 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. [4](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") (Evidence: Company-reported; scope: 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. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not publicly disclosed; scope: Executive Risk page as read on 2026-09-23..) | | Risk Services | 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. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: 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. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: The Newfront Difference and Industry-Leading Technology sections of the Executive Risk page..) | | How to Apply | 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. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: EPLI product page, Get your EPLI risk review section..) | You start an EPLI placement by requesting a consultation through Newfront's Executive Risk page. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk page call-to-action; no online quoting or binding described..) | | Claims Support | 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. [3](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Not found in reviewed sources; scope: 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. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: The Newfront Difference section; described across Executive Risk lines, not an EPLI-specific claims workflow..) | ## Full Comparison - [Alliance Risk vs Newfront](https://spot.insure/compare/alliance-risk-vs-newfront): all coverage lines, business roles, service and claims. - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination. - [Alliance Risk vs Newfront Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/cargo-transit) - [Alliance Risk vs Newfront Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/commercial-auto) - [Alliance Risk vs Newfront Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/commercial-property) - [Alliance Risk vs Newfront Crime Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/crime) - [Alliance Risk vs Newfront Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/cyber) - [Alliance Risk vs Newfront D&O Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/directors-officers) - [Alliance Risk vs Newfront Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/equipment-breakdown) - [Alliance Risk vs Newfront Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/fiduciary) - [Alliance Risk vs Newfront General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/general-liability) - [Alliance Risk vs Newfront Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/management-liability) - [Alliance Risk vs Newfront Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/product-liability) - [Alliance Risk vs Newfront Product Recall Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/product-recall) - [Alliance Risk vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/professional-errors-omissions) - [Alliance Risk vs Newfront Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/technology-errors-omissions) - [Alliance Risk vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/umbrella-excess) - [Alliance Risk vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/workers-compensation) - [Alliance Risk vs Amelia Risk Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/employment-practices) - [Alliance Risk vs Beazley Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/employment-practices) - [Alliance Risk vs CFC Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/employment-practices) - [Alliance Risk vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/employment-practices) - [Alliance Risk vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/employment-practices) - [Alliance Risk vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/employment-practices) ## Sources ### Alliance Risk 1. [About Us](https://joinalliancerisk.com/about-us/). Alliance Risk; Our Story. Accessed 2026-09-16. 2. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16. 3. [Employment Practices Liability (EPLI)](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/). Alliance Risk; EPLI Insurance: What Employment Practices Liability Covers, Costs, and Who Needs It; Who needs EPLI insurance?; What does EPLI insurance cover?; What EPLI does not cover; How to choose coverage and limits; Get your EPLI risk review. Accessed 2026-09-23. 4. [Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together](https://joinalliancerisk.com/management-liability-insurance/). Alliance Risk; The shared limit problem; How to structure the program as you scale. Accessed 2026-09-23. ### Newfront 5. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15. 6. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16. 7. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15. 8. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15. 9. [Executive Risk](https://www.newfront.com/executive-risk). Newfront; Key Coverages to Protect Your Business: Employment Practices Liability Insurance (EPLI); Committed to Client Advocacy: shielding D&Os from wrongful discrimination and termination; Leadership: Deirdre Finn. Accessed 2026-09-23. ### Employment Practices Liability Insurance Guide 10. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/alliance-risk-vs-newfront/employment-practices.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)