---
title: "Heffernan Insurance Brokers vs Newfront: Employment Practices Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/heffernan-vs-newfront/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "heffernan-vs-newfront"
provider-a: "heffernan"
provider-b: "newfront"
coverage-line: "employment-practices"
---

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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/heffernan-vs-newfront/employment-practices)

## Agent Guide

**What this page is:** Focused comparison of Heffernan Insurance Brokers and Newfront for Employment Practices Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Employment Practices Liability Insurance questions about Heffernan Insurance Brokers versus Newfront. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Heffernan Insurance Brokers vs Newfront for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Heffernan Insurance Brokers or Newfront?
- What does Heffernan Insurance Brokers or Newfront publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Heffernan Insurance Brokers and Newfront.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Heffernan Insurance Brokers vs Newfront](https://spot.insure/compare/heffernan-vs-newfront) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile
- [Newfront profile](https://spot.insure/insurance-providers/newfront) — provider profile

# 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 to IPO with claims negotiation, while Heffernan brokers EPL for home-care agencies and family offices.

## Heffernan Insurance Brokers vs Newfront Employment Practices Liability Insurance Summary

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](https://www.newfront.com/executive-risk "Executive Risk") [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [3](https://www.heffins.com/family-office/ "Family Office")

## 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](https://www.newfront.com/executive-risk "Executive Risk") [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [3](https://www.heffins.com/family-office/ "Family Office")

### 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](https://www.newfront.com/executive-risk "Executive Risk") [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy")

### 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](https://www.newfront.com/executive-risk "Executive Risk") [5](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know")

## 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](https://www.newfront.com/executive-risk "Executive Risk")
- Ask Heffernan for current wage-and-hour, hammer-clause and immigration options. [5](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Get limits and retentions in writing from both. [6](https://www.newfront.com/executive-risk "Executive Risk")
- Ask Newfront whether its placed form includes the three endorsements Heffernan recommends. [6](https://www.newfront.com/executive-risk "Executive Risk") [5](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know")

## Heffernan Insurance Brokers vs Newfront Employment Practices Liability Compared

| 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](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [2](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [3](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: 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. [6](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 | 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. [5](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") (Evidence: Company-reported; scope: 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." [6](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..) |
| 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. [1](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: 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. [6](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk offering page and Leadership section..) |

## About Heffernan Insurance Brokers and Newfront

- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [Newfront company profile](https://spot.insure/insurance-providers/newfront) · [Newfront customer reviews](https://spot.insure/insurance-providers/newfront/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for Heffernan Insurance Brokers vs Newfront

- [Heffernan Insurance Brokers vs Newfront](https://spot.insure/compare/heffernan-vs-newfront): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/insurance-providers/heffernan/employment-practices)
- [Newfront Employment Practices Liability Insurance](https://spot.insure/insurance-providers/newfront/employment-practices)

## Sources for Heffernan Insurance Brokers vs Newfront

### Sources About Heffernan Insurance Brokers

1. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Corporate and executive protection, such as employment practices liability, directors and officers liability, fiduciary responsibility, cyber liability, and kidnap and ransom are also available through our comprehensive business insurance programs.. Accessed 2026-09-23.
2. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). Heffernan Insurance Brokers; We offer comprehensive coverage for: Workers' Compensation Insurance, General and Professional Liability, Employment Practice Liability, Business/Owned Auto, Non-owned and Hired Auto, and more. Accessed 2026-09-23.
3. [Family Office](https://www.heffins.com/family-office/). Heffernan Insurance Brokers; Coverage for Family Offices, Trustees & Financial Firms: Family office liability, D&O, Professional liability, Employment practices liability insurance, Workers' compensation, Employee benefits, Trustee liability, Property and auto, Fiduciary liability, Fidelity/financial institution bond, Cyber, Crime, General liability, Excess liability. Accessed 2026-09-23.
4. [Claims Advocacy](https://www.heffins.com/business-insurance/claims-advocacy/). Heffernan Insurance Brokers; Services We Offer: Workers' Compensation Claims Expertise; Medical Triage Services; General Liability, Auto & Property Claims Support; Online Risk Management & HR Support; Streamlined Vendor Compliance. Accessed 2026-09-23.
5. [Employment Practices Liability 101: What You Need to Know](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/). Heffernan Insurance Brokers; May 18, 2016 article by Tanner Fornesi, Assistant Vice President, Heffernan Insurance Brokers; Wage and Hour coverage, 100% Hammer Clause, Immigration Claim Endorsement. Accessed 2026-09-23.

### Sources About Newfront

6. [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.

Updated 2026-09-25. 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/heffernan-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)