Heffernan Insurance Brokers vs 
Newfront: How Do They Compare for Employment Practices Liability Insurance?
Heffernan Insurance Brokers shops and places EPL for a range of business types; an older article discusses wage-and-hour limits within the policy. Newfront brokers EPLI for private companies from seed stage through IPO, with growth guidance and integrated claims support.
Newfront brokers EPLI for venture-backed companies from seed round to public listing, with a 24/7 policy dashboard and claims negotiation; Heffernan places EPL inside its home-care, family-office and general business programs. Heffernan doesn’t list employment claims among those it advocates on. 6,1,2,3
What Are the Key Differences Between Heffernan Insurance Brokers and Newfront Employment Practices Liability Insurance?
Venture-Backed Companies vs Home-Care Agencies and Family Offices
Both are brokers and neither names the insurers it uses. Newfront’s Executive Risk practice serves private companies from seed through every funding round and says it has worked with over 500 public companies. Heffernan lists EPL on its general business, home-care agency and family-office pages. Choose Newfront if you are a venture-backed company that wants EPLI handled alongside D&O as you raise; choose Heffernan if you run a home-care agency or family office and want EPL placed with the rest of that program. 6 1 2 3
Claims Negotiation vs No Listed Employment Claims Help
Newfront offers integrated claims and coverage negotiation, a 24/7 dashboard for policies, certificates and billing, and predictive models by growth stage. Heffernan’s claims-advocacy page covers workers’ compensation, general liability, auto and property, not employment claims, and it offers no EPL-specific online quote. If an employee sues, Newfront has said it will work the claim with you; Heffernan hasn’t for this line. 6 1 4
Officer-Focused Framing vs an Endorsement Checklist
Newfront frames EPLI as shielding directors and officers from discrimination, termination and other employment claims. Heffernan’s 2016 article gives a practical checklist: ask for wage-and-hour cover, a 100% hammer clause (the insurer can’t force a settlement on you) and an immigration claim endorsement. The article is dated, but the checklist is worth using with either broker. 6 5
What Should You Confirm in Heffernan Insurance Brokers and Newfront Employment Practices Liability Insurance Quotes?
- Ask Newfront which insurers it will approach and how it handles an employment charge from filing onward. 6
- Ask Heffernan for current wage-and-hour, hammer-clause and immigration options. 5 2
- Get limits and retentions in writing from both. 6
- Ask Newfront whether its placed form includes the three endorsements Heffernan recommends. 6 5
Heffernan Insurance Brokers vs Newfront Employment Practices Liability Compared
Heffernan Insurance Brokers vs Newfront: Employment Practices Liability Insurance: documented features by provider
| Criteria | Heffernan Employment Practices Liability Insurance | Newfront Employment Practices Liability Insurance (EPLI) |
|---|---|---|
| Who It’s For | 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. 1,2,3Company-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. 6Company-reported. Here for the Long Run section; figures describe the executive-risk practice broadly, not EPLI specifically. |
| Coverage Features | 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. 5Company-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." 6Company-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 | 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. 1Company-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. 6Company-reported. Executive Risk offering page and Leadership section. |
