Lockton vs Newfront: How Do They Compare for Employment Practices Liability Insurance?

Lockton designs EPL programs for hiring organizations and describes typical coverage for defense costs and damages. Newfront brokers EPLI for private companies from seed stage through IPO, with tailored growth guidance and integrated claims support.

Lockton tells you more about the coverage: its typical EPL placement includes third-party and immigration claims, with wage-and-hour sold as a separate policy. Newfront is built around startups, brokering EPLI with D&O from seed stage through public listing after a consultation. ^1,²

What Are the Key Differences Between Lockton and Newfront Employment Practices Liability Insurance?

Documented Coverage Terms vs a Startup Executive-Risk Practice

Both broker EPL rather than underwrite it. Lockton describes what a typical placed policy covers: defense of employee claims and investigations, third-party harassment, punitive damages where insurable, and immigration claims, with wage-and-hour sold separately because EPL usually excludes it. Newfront starts with a consultation and brokers EPLI in an Executive Risk practice that also handles D&O and fiduciary, framing it around protecting directors and officers. Choose Newfront if you're a venture-backed company that wants EPLI and D&O handled together as you raise; choose Lockton if wage-and-hour or immigration exposure is your main concern. ¹ ²

Any Employer vs Seed Stage Through 500-Plus Public Companies

Lockton says any organization that hires people faces employment risk, regardless of size, industry or location. Newfront says it serves private companies from seed through every funding round and has worked with more than 500 public companies, with no EPLI headcount cutoff. ¹ ²

Claims Counsel on the Team vs Claims Negotiation and a Dashboard

Lockton puts insurance and claims counsel on the broking team from the start. Newfront describes integrated claims and coverage negotiation plus a 24/7 dashboard for policies and certificates. Both promise help at claim time; ask each who actually handles your file. ¹ ²

What Should You Confirm in Lockton and Newfront Employment Practices Liability Insurance Quotes?

Ask Lockton whether wage-and-hour is a separate policy; ask Newfront whether that exposure is on the EPLI form it places. ¹ ²
Ask both for the issuing insurer; neither names one. ¹ ²
Ask who runs your claim: Lockton's in-team counsel or Newfront's negotiation team. ¹ ²
If you're pre-seed or already public, ask each how EPLI and D&O limits would be structured together. ² ¹

Lockton vs Newfront Employment Practices Liability Insurance Compared

Lockton vs Newfront: Employment Practices Liability Insurance: documented features by provider

Criteria	Lockton Employment Practices Liability (EPL) Insurance Brokerage	Newfront Employment Practices Liability Insurance (EPLI)
Who It’s For	Lockton says any organization that engages people for hire, regardless of size, industry, location, union participation or use of independent contractors, faces employment-related risk and should consider EPL insurance. ¹Company-reported. EPL product page as read 2026-09-23.	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. ²Company-reported. Here for the Long Run section; figures describe the executive-risk practice broadly, not EPLI specifically.
Coverage Features	Lockton says a typical EPL policy it places covers legal defense costs for employee claims and official employment investigations, third-party discrimination or harassment claims from non-employees, punitive damages where insurable, and immigration-related employment claims. It separately offers standalone wage-and-hour coverage for claims like misclassification and unpaid overtime, since wage-and-hour claims are typically excluded from EPL policies. ¹Company-reported. EPL product page as read 2026-09-23. Describes typical policy features Lockton places, not a specimen form for any one client.	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." ²Company-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	Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. ¹Company-reported. EPL product page as read 2026-09-23.	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. ²Company-reported. Executive Risk offering page and Leadership section.
Claims Support	Lockton's Professional & Executive Risk Claims team integrates insurance and claims counsel within the broking team from the start of the engagement, which Lockton says is meant to prepare the claims strategy before an EPL claim arises. ¹Company-reported. EPL product page as read 2026-09-23.	Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to an EPLI claim. ²Company-reported. The Newfront Difference section; described across Executive Risk lines, not an EPLI-specific claims workflow.