---
title: "Chubb vs Newfront Employment Practices Liability Insurance"
description: "Chubb underwrites ForeFront EPL with ChubbWorks; Newfront’s Executive Risk practice brokers EPLI and offers a 24/7 policy dashboard."
canonical: "https://spot.insure/compare/chubb-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/chubb-vs-newfront/employment-practices)

# Chubb vs Newfront Employment Practices Liability Insurance

Chubb underwrites ForeFront EPL with ChubbWorks; Newfront’s Executive Risk practice brokers EPLI and offers a 24/7 policy dashboard.

## Research Scope and Use

Use this comparison to evaluate Chubb 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

Chubb issues ForeFront EPL, with Federal Insurance Company named on the sheet and ChubbWorks included. Newfront brokers EPLI through its Executive Risk practice and does not name the issuing insurer. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [10](https://www.newfront.com/executive-risk "Executive Risk")

## What Is Chubb?

Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## 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. [6](https://www.newfront.com/business-insurance "Business Insurance") [7](https://www.newfront.com/total-rewards "Employee Benefits") [8](https://www.newfront.com/navigator "Newfront Navigator") [9](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. [11](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## Key Differences in Employment Practices Liability Insurance

### Carrier Product Versus Executive Risk Brokerage

Chubb underwrites EPL inside ForeFront Portfolio for private companies, not-for-profits and healthcare organizations. Newfront’s Executive Risk practice brokers EPLI; Deirdre Finn leads the D&O, employment-practices and fiduciary book. Newfront’s reviewed page does not name the insurer that would issue the policy. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [10](https://www.newfront.com/executive-risk "Executive Risk")

### What Each Source Says the Coverage Does

Chubb’s sheet covers claims by employees and independent contractors, uses a broad “Employment Practices Wrongful Act” definition, and includes early-engagement expenses. 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. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [10](https://www.newfront.com/executive-risk "Executive Risk")

### Loss-Prevention Tools and Servicing

Chubb says policyholders get ChubbWorks, a free online resource for employment issues, plus affiliated-broker access to locally admitted policies where permissible. Newfront says it uses predictive models so coverage can change as a company grows and offers 24/7 dashboard access to policies, certificates and billing, plus integrated claims and coverage negotiation on Executive Risk lines. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [10](https://www.newfront.com/executive-risk "Executive Risk")

### Who You Contact

ForeFront EPL is placed through an appointed agent or broker. You start a Newfront EPLI placement by requesting a consultation on the Executive Risk page. Newfront says it works with private companies from seed through later funding and has worked with over 500 public companies, without an EPLI-specific headcount cutoff. [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [10](https://www.newfront.com/executive-risk "Executive Risk")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Get the issuing insurer from both: Chubb’s sheet names Federal Insurance Company and affiliates; Newfront’s page does not name one. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") [10](https://www.newfront.com/executive-risk "Executive Risk")
- Ask Chubb whether independent-contractor claims and early-engagement expenses apply on the quoted form. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance")
- Ask Newfront for EPLI limits and retentions; the reviewed page does not publish them. [10](https://www.newfront.com/executive-risk "Executive Risk")
- Ask Newfront how claims negotiation works on an EPLI matter versus Chubb’s Duty to Defend option. [10](https://www.newfront.com/executive-risk "Executive Risk") [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance")

## Offering Details

| Criteria | Chubb ForeFront Portfolio Employment Practices Liability Insurance | Newfront Employment Practices Liability Insurance (EPLI) |
| --- | --- | --- |
| 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. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: 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. [10](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk offering page and Leadership section..) |
| Issuing Insurer | Chubb's EPL product sheet states that insurance is provided by Federal Insurance Company and its U.S.-based Chubb underwriting company affiliates. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Product sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy..) | The reviewed Executive Risk page does not name the insurer or insurers that would issue an EPLI policy placed through Newfront. [10](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 | Not described in the reviewed sources. | 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. [10](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 | 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. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: Coverage Highlights list; subject to the policy as issued..)<br><br>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. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: 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." [10](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 | The reviewed product sheet illustrates claim scenarios (settlements ranging from under $1 million to $350,000, with defense costs shown separately) but does not publish specific policy limits or retentions. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Not found in reviewed sources; scope: Claims Scenarios section; illustrative examples, not policy terms..) | The reviewed Executive Risk page does not publish EPLI limits or retentions. [10](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not publicly disclosed; scope: Executive Risk page as read on 2026-09-23..) |
| 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. [4](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf "The ForeFront Portfolio — Employment Practices Liability Insurance") (Evidence: Company-reported; scope: 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. [10](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 | Employment Practices Liability coverage is placed as part of the ForeFront Portfolio through an appointed agent or broker. [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") (Evidence: Company-reported; scope: 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. [10](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 | Not described in the reviewed sources. | Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to an EPLI claim. [10](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

- [Chubb vs Newfront](https://spot.insure/compare/chubb-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.
- [Chubb vs Newfront Cargo and Transit Insurance](https://spot.insure/compare/chubb-vs-newfront/cargo-transit)
- [Chubb vs Newfront Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-newfront/commercial-auto)
- [Chubb vs Newfront Commercial Property Insurance](https://spot.insure/compare/chubb-vs-newfront/commercial-property)
- [Chubb vs Newfront Crime Insurance](https://spot.insure/compare/chubb-vs-newfront/crime)
- [Chubb vs Newfront Cyber Insurance](https://spot.insure/compare/chubb-vs-newfront/cyber)
- [Chubb vs Newfront D&O Insurance](https://spot.insure/compare/chubb-vs-newfront/directors-officers)
- [Chubb vs Newfront Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-newfront/equipment-breakdown)
- [Chubb vs Newfront Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-newfront/fiduciary)
- [Chubb vs Newfront General Liability Insurance](https://spot.insure/compare/chubb-vs-newfront/general-liability)
- [Chubb vs Newfront Management Liability Insurance](https://spot.insure/compare/chubb-vs-newfront/management-liability)
- [Chubb vs Newfront Product Recall Insurance](https://spot.insure/compare/chubb-vs-newfront/product-recall)
- [Chubb vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-newfront/professional-errors-omissions)
- [Chubb vs Newfront Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-newfront/representations-warranties)
- [Chubb vs Newfront Surety Bonds](https://spot.insure/compare/chubb-vs-newfront/surety-bonds)
- [Chubb vs Newfront Tech E&O Insurance](https://spot.insure/compare/chubb-vs-newfront/technology-errors-omissions)
- [Chubb vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-newfront/umbrella-excess)
- [Chubb vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-newfront/workers-compensation)
- [Alliance Risk vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/employment-practices)
- [Alliance Risk vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/employment-practices)
- [Amelia Risk vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/employment-practices)
- [Amelia Risk vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/employment-practices)
- [Beazley vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-chubb/employment-practices)
- [Beazley vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-newfront/employment-practices)

## Sources

### Chubb

1. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
4. [The ForeFront Portfolio — Employment Practices Liability Insurance](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/global/forefront-portfolio-product-sheets/2021-09.03_Forefront_Portfolio_EPL.pdf). Chubb; Employment Practices Liability Coverage Highlights; Misconception/Reality section; insurer disclosure line naming Federal Insurance Company. Accessed 2026-09-23.
5. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; Available Coverages: Employment Practices Liability Insurance listed among the ForeFront Portfolio's seven coverage parts. Accessed 2026-09-23.

### Newfront

6. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
7. [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.
8. [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.
9. [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.
10. [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

11. [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/chubb-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)