Heffernan Insurance Brokers vs Newfront Employment Practices Liability Insurance

Heffernan places employment practices liability (EPL) coverage as part of its corporate and executive-protection lineup within its general business-insurance brokerage. It shops and places the policy with insurers rather than underwriting it. ³Company-reported. Business Insurance Brokerage page listing; no policy form or dedicated EPL product page was found.

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. ¹²Company-reported. Executive Risk offering page and Leadership section.

The reviewed pages do not name the insurer or insurers that issue EPL policies Heffernan places. ³Not publicly disclosed. Business Insurance Brokerage 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. ¹²Not publicly disclosed. Executive Risk page as read on 2026-09-23; carrier depends on the specific placement.

EPL appears in three separate parts of Heffernan's site: the general business-insurance page, the home-care agency practice, and the family-office/financial-firm practice, indicating it is offered to a range of business types rather than one narrow niche. ^3,4,5Company-reported. Direct practice-page listings; the pages do not publish a minimum size or industry restriction for EPL specifically.

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. ¹²Company-reported. Here for the Long Run section; figures describe the executive-risk practice broadly, not EPLI specifically.

In a 2016 article, Heffernan advisor Tanner Fornesi says EPL policies are modular and recommends buyers specifically request wage-and-hour coverage, a 100% hammer clause (so the insurer, not the policyholder, bears settlement costs above an offer the policyholder declines), and an immigration claim endorsement. ⁷Company-reported. 2016 educational article about EPL coverage generally, not a current Heffernan product specification; endorsement availability depends on the carrier and current market terms.

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." ¹²Company-reported. Key Coverages list and Committed to Client Advocacy section; the quoted language frames EPLI around protecting leadership rather than describing named insuring agreements.

The same 2016 article says wage-and-hour EPL sublimits were then commonly $100,000, with some carriers offering $150,000 to $250,000 for additional premium. ⁷Company-reported. Market commentary in a 2016 article, not a current quote or a limit Heffernan guarantees today.

The reviewed Executive Risk page does not publish EPLI limits or retentions. ¹²Not publicly disclosed. Executive Risk page as read on 2026-09-23.

Not described in the reviewed sources.

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. ¹²Company-reported. The Newfront Difference and Industry-Leading Technology sections of the Executive Risk page.

The reviewed pages describe no EPL-specific application or online quote process; buyers reach the coverage through Heffernan's general business-insurance brokerage contact route. ³Not found in reviewed sources. Business Insurance Brokerage page as read on 2026-09-23.

You start an EPLI placement by requesting a consultation through Newfront's Executive Risk page. ¹²Company-reported. Executive Risk page call-to-action; no online quoting or binding described.

Heffernan's published claims-advocacy services cover workers' compensation, general liability, auto, and property claims; the page does not list employment-related claims handling as part of that service. ⁶Not found in reviewed sources. Claims Advocacy page as read on 2026-09-23; does not establish that EPL claims receive no support, only that this page does not describe it.

Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to an EPLI claim. ¹²Company-reported. The Newfront Difference section; described across Executive Risk lines, not an EPLI-specific claims workflow.