Chubb vs 
Newfront: How Do They Compare for Employment Practices Liability Insurance?
Chubb insures EPL with a built-in defense provision, while Newfront brokers the line and tailors guidance to each client's risk profile.
Chubb sells EPL with published terms, covering contractor and applicant claims plus free ChubbWorks HR tools, to private companies, nonprofits and healthcare groups. Newfront brokers EPLI for companies from seed stage to public, with claims negotiation and a 24/7 policy dashboard. 1,3
What Are the Key Differences Between Chubb and Newfront Employment Practices Liability Insurance?
Known Policy Terms vs a Broker Who Shops for You
Chubb's EPL is its own policy, sold inside ForeFront Portfolio through an agent or broker: it covers claims by past, current and prospective employees and independent contractors, with early-engagement expenses for disputes before they become lawsuits. Newfront's Executive Risk practice brokers EPLI from insurers it doesn't name, and doesn't publish coverage terms. Newfront says it works with companies from seed stage onward and over 500 public companies. Choose Chubb if you want terms you can read up front; choose Newfront if you're venture-backed and want EPLI shopped with your D&O and fiduciary. 1 2 3
HR Tools vs Account Servicing
Chubb gives policyholders ChubbWorks, a free online resource for employment issues. Newfront offers a 24/7 dashboard for policies, certificates and billing, handles claims and coverage negotiation, and says its models let cover change as you grow. 1 3
What Should You Confirm in Chubb and Newfront Employment Practices Liability Insurance Quotes?
- Ask Newfront which insurer will issue the policy; Chubb's is Federal Insurance Company or an affiliate. 1 3
- Check that contractor claims and early-engagement expenses appear on the Chubb quote. 1
- Ask Newfront for EPLI limits and retentions; its page publishes none. 3
- Ask Newfront how it negotiates an EPLI claim, and ask Chubb about its duty-to-defend option. 3 1
Chubb vs Newfront Employment Practices Liability Insurance Compared
Chubb vs Newfront: Employment Practices Liability Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio Employment Practices Liability Insurance | Newfront Employment Practices Liability Insurance (EPLI) |
|---|---|---|
| How to Apply | Employment Practices Liability coverage is placed as part of the ForeFront Portfolio through an appointed agent or broker. 2Company-reported. ForeFront Portfolio hub page describes Marketplace quoting for the portfolio generally. | You start an EPLI placement by requesting a consultation through Newfront's Executive Risk page. 3Company-reported. Executive Risk page call-to-action; no online quoting or binding described. |
| Coverage Features | Chubb says the policy covers EPL claims brought by past, present and prospective employees and independent contractors, uses a broad definition of "Employment Practices Wrongful Act," and includes early-engagement expense coverage for pre-matter and pre-tender expenses or early-settlement opportunity costs. 1Company-reported. Coverage Highlights list; subject to the policy as issued. Chubb says the EPL form builds in defense-provision optionality, including a Duty to Defend by Chubb option, and coverage for a written request to toll or waive a statute of limitations. 1Company-reported. Coverage Highlights list. | 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." 3Company-reported. Key Coverages list and Committed to Client Advocacy section; the quoted language frames EPLI around protecting leadership rather than describing named insuring agreements. |
| Role in This Line | Chubb underwrites Employment Practices Liability (EPL) insurance as one of seven coverage parts within its ForeFront Portfolio, providing coverage aimed at private companies, not-for-profit organizations and healthcare organizations. 1Company-reported. ForeFront Portfolio EPL product sheet. | 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. 3Company-reported. Executive Risk offering page and Leadership section. |
| Risk Services | Chubb says EPL policyholders get access to ChubbWorks, a free online resource with loss-prevention tools for employment and employee issues, and integrated global coverage capabilities through Chubb's affiliated broker network for locally admitted policies where permissible. 1Company-reported. Coverage Highlights list; company-described service program. | 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. 3Company-reported. The Newfront Difference and Industry-Leading Technology sections of the Executive Risk page. |
