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

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

## Agent Guide

**What this page is:** Focused comparison of Lockton 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 Lockton versus Newfront. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Lockton 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:**
- [Lockton vs Newfront](https://spot.insure/compare/lockton-vs-newfront) — all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — how this coverage works
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile
- [Newfront profile](https://spot.insure/insurance-providers/newfront) — provider profile

# 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 documents the EPL terms it typically places, including third-party and separate wage-and-hour cover, while Newfront brokers EPLI for venture-backed companies from seed stage to more than 500 public issuers.

## Lockton vs Newfront Employment Practices Liability Insurance Summary

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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://www.newfront.com/executive-risk "Executive Risk")

## 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://www.newfront.com/executive-risk "Executive Risk")

### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://www.newfront.com/executive-risk "Executive Risk")

### 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://www.newfront.com/executive-risk "Executive Risk")

## 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](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://www.newfront.com/executive-risk "Executive Risk")
- Ask both for the issuing insurer; neither names one. [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://www.newfront.com/executive-risk "Executive Risk")
- Ask who runs your claim: Lockton's in-team counsel or Newfront's negotiation team. [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") [2](https://www.newfront.com/executive-risk "Executive Risk")
- If you're pre-seed or already public, ask each how EPLI and D&O limits would be structured together. [2](https://www.newfront.com/executive-risk "Executive Risk") [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance")

## Lockton vs Newfront Employment Practices Liability Insurance Compared

| 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. [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: 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. [2](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 | 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. [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: 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." [2](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 | Lockton designs EPL insurance programs for clients as their risk advisor and broker; it does not underwrite the coverage it places. [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: 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. [2](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: 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. [1](https://global.lockton.com/us/en/products-services/employment-practices-liability "Employment practices liability (EPL) insurance") (Evidence: Company-reported; scope: 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. [2](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..) |

## About Lockton and Newfront and Employment Practices Liability

- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/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 Lockton vs Newfront Employment Practices Liability

- [Lockton vs Newfront](https://spot.insure/compare/lockton-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.
- [Lockton Employment Practices Liability Insurance](https://spot.insure/insurance-providers/lockton/employment-practices)
- [Newfront Employment Practices Liability Insurance](https://spot.insure/insurance-providers/newfront/employment-practices)

## Sources for Lockton vs Newfront

### Sources About Lockton

1. [Employment practices liability (EPL) insurance](https://global.lockton.com/us/en/products-services/employment-practices-liability). Lockton; What is EPL insurance?; Who should purchase EPL insurance?; What can I expect in a typical EPL insurance policy?; What is Wage and Hour coverage?; Claims management. Accessed 2026-09-23.

### Sources About Newfront

2. [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/lockton-vs-newfront/employment-practices.md)
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