--- title: "Gallagher vs Newfront Employment Practices Liability Insurance" description: "Newfront brokers EPLI from seed to public companies with a dashboard; Gallagher advises EPL limits from loss databases." canonical: "https://spot.insure/compare/gallagher-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/gallagher-vs-newfront/employment-practices) # Gallagher vs Newfront Employment Practices Liability Insurance Newfront brokers EPLI from seed to public companies with a dashboard; Gallagher advises EPL limits from loss databases. ## Research Scope and Use Use this comparison to evaluate Gallagher 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 Newfront’s Executive Risk practice brokers EPLI for private companies from seed through later rounds and says it has worked with over 500 public companies, with 24/7 policy dashboard access. Gallagher places EPL and recommends limits using EPL and wage-and-hour loss databases, including losses over $1 million. [10](https://www.newfront.com/executive-risk "Executive Risk") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ## What Is Gallagher? Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") [Gallagher profile](https://spot.insure/insurance-providers/gallagher) ## 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 ### Growth-Stage Book Versus Loss-History Tools Newfront and Gallagher both broker EPLI. Newfront's Executive Risk practice, with Deirdre Finn overseeing D&O, employment-practices and fiduciary, says it services private companies from seed through every funding series and has worked with over 500 publicly traded companies. Gallagher's Executive and Financial Risk page does not cite a public-company count; it describes predictive models, benchmarking, contract analysis, and EPL and wage-and-hour databases including losses exceeding $1 million. Neither page names the issuing insurer. [10](https://www.newfront.com/executive-risk "Executive Risk") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ### How Each Frames the Coverage Newfront lists EPLI among Executive Risk key coverages and describes shielding directors and officers from wrongful discrimination, termination and other employment-related issues. Gallagher describes EPL as responding to sexual harassment and wrongful termination, covering class actions and single-plaintiff claims, and models exposure by employee count, type, mix and location. [10](https://www.newfront.com/executive-risk "Executive Risk") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ### Day-to-Day Service Newfront says it uses predictive models as risks evolve, offers 24/7 dashboard access to policies, certificates and billing, and provides integrated claims and coverage negotiation on Executive Risk lines. Gallagher's reviewed EPL section is about limit advice and historical-loss analysis, not a client dashboard. You start Newfront with a consultation request on the Executive Risk page. [10](https://www.newfront.com/executive-risk "Executive Risk") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ## What to Confirm in Employment Practices Liability Insurance Quotes - Ask Gallagher how class-action and wage-and-hour database results translated into the quoted tower. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") - Ask Newfront which markets it will approach and how the dashboard will show EPLI certificates and billing. [10](https://www.newfront.com/executive-risk "Executive Risk") - Compare officer-focused wording on Newfront with Gallagher's class-action and single-plaintiff framing. [10](https://www.newfront.com/executive-risk "Executive Risk") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") - Get limits and retentions; Newfront's page does not publish them. [10](https://www.newfront.com/executive-risk "Executive Risk") ## Offering Details | Criteria | Gallagher Employment Practices Liability (EPL) Insurance | Newfront Employment Practices Liability Insurance (EPLI) | | --- | --- | --- | | Role in This Line | Gallagher's Executive and Financial Risk practice places EPL insurance with outside carriers and advises on limits and program design; it does not underwrite the policy. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | 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 | The executive-and-financial-risk page does not name the insurer that would issue a given client's EPL policy. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level executive-and-financial-risk practice page..) | 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 | Gallagher says its EPL exposure modeling accounts for an organization's employee count, employee type and mix, and location of operations, reflecting that EPL claim size correlates with organization size and diversity. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | 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 | Gallagher describes EPL coverage as responding to claims such as sexual harassment and wrongful termination, protecting against both class actions and single-plaintiff claims. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions..) | 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 page does not publish specific EPL limits or premium ranges; it describes only the benchmarking process used to recommend limits. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level executive-and-financial-risk practice page..) | 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 | Gallagher says it uses client data and predictive models, plus benchmarking and contract analysis, to guide EPL limits advice, and maintains its own EPL and Wage and Hour loss databases, including a review of historical losses exceeding $1 million drawn from a database it says it began building in 1997. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; Gallagher's own analytical tools, not independently audited..) | 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 | Not described in the reviewed sources. | 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 - [Gallagher vs Newfront](https://spot.insure/compare/gallagher-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. - [Gallagher vs Newfront Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-newfront/commercial-auto) - [Gallagher vs Newfront Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-newfront/commercial-property) - [Gallagher vs Newfront Crime Insurance](https://spot.insure/compare/gallagher-vs-newfront/crime) - [Gallagher vs Newfront Cyber Insurance](https://spot.insure/compare/gallagher-vs-newfront/cyber) - [Gallagher vs Newfront D&O Insurance](https://spot.insure/compare/gallagher-vs-newfront/directors-officers) - [Gallagher vs Newfront Employee Health Benefits](https://spot.insure/compare/gallagher-vs-newfront/employee-health-benefits) - [Gallagher vs Newfront Fidelity Bonds](https://spot.insure/compare/gallagher-vs-newfront/fidelity-bonds) - [Gallagher vs Newfront Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-newfront/fiduciary) - [Gallagher vs Newfront General Liability Insurance](https://spot.insure/compare/gallagher-vs-newfront/general-liability) - [Gallagher vs Newfront Product Recall Insurance](https://spot.insure/compare/gallagher-vs-newfront/product-recall) - [Gallagher vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-newfront/professional-errors-omissions) - [Gallagher vs Newfront Representations and Warranties Insurance](https://spot.insure/compare/gallagher-vs-newfront/representations-warranties) - [Gallagher vs Newfront Surety Bonds](https://spot.insure/compare/gallagher-vs-newfront/surety-bonds) - [Gallagher vs Newfront Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-newfront/technology-errors-omissions) - [Gallagher vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-newfront/umbrella-excess) - [Gallagher vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-newfront/workers-compensation) - [Alliance Risk vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/employment-practices) - [Alliance Risk vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/employment-practices) - [Amelia Risk vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/employment-practices) - [Amelia Risk vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/employment-practices) - [Beazley vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-gallagher/employment-practices) - [Beazley vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-newfront/employment-practices) ## Sources ### Gallagher 1. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16. 2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16. 3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employment Practices Liability (EPL) insurance section. Accessed 2026-09-23. 4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16. 5. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16. ### 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. 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