Newfront vs 
Relm Insurance Employment Practices Liability Insurance
Newfront brokers EPLI in Executive Risk from seed-stage companies through public listings; Relm markets EPL and wage-and-hour through other brokers.
What Is Newfront?
Newfront is a business-insurance and employee-benefits brokerage that combines specialist teams with online policy-management tools. It is now part of WTW. 1,2,3,4
What Is Relm Insurance?
Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. 6,7
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 9
Key Differences in Employment Practices Liability Insurance
Retail Executive-Risk Desk Versus Relm Distribution
Newfront brokers EPLI in Executive Risk under Deirdre Finn, who oversees D&O, employment-practices and fiduciary. Relm markets EPL, including wage-and-hour, as coverage other brokers place through Relm. You either hire Newfront as retail broker or receive Relm through whoever introduces you. Neither reviewed page names the issuing insurer. 5 8
Stage Versus Headcount Growth
Newfront says it services private companies from seed through every series and has worked with over 500 publicly traded companies, without an EPLI-specific eligibility cutoff. Relm says any company with employees benefits from EPL regardless of headcount and highlights fast-growing companies as hiring scales. Newfront’s documented book is funding stage and public-company count; Relm’s is any employer plus growth. 5 8
Leadership Frame Versus Claim-Type List
Newfront describes EPLI as shielding directors and officers from wrongful discrimination, termination and other employment issues, and offers predictive models, a 24/7 dashboard, and integrated claims negotiation. Relm lists defense and settlement for harassment, discrimination, wrongful termination, breach of contract and emotional distress, and separately describes wage-and-hour for large employers. Newfront’s reviewed page does not describe wage-and-hour as its own product. You start Newfront with a consultation; Relm does not describe a direct online quote. 5 8
What to Confirm in Employment Practices Liability Insurance Quotes
- Ask whether Relm is one of the markets Newfront would use, or whether you would have two brokers in the chain. 5 8
- Put wage-and-hour on Relm’s quote in writing; Newfront’s Executive Risk page does not describe it. 8 5
- Confirm the issuing insurer and limits; neither page publishes them. 5 8
- Ask how Newfront’s integrated claims negotiation would work if Relm paper is bound. 5 8
Offering Details
Newfront vs Relm Insurance Employment Practices Liability Insurance: documented features by provider
| Criteria | Newfront Employment Practices Liability Insurance (EPLI) | Relm Employment Practices Liability Insurance (EPL/W&H) |
|---|---|---|
| Role in This Line | 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. 5Company-reported. Executive Risk offering page and Leadership section. | Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. 8Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
| Issuing Insurer | The reviewed Executive Risk page does not name the insurer or insurers that would issue an EPLI policy placed through Newfront. 5Not publicly disclosed. Executive Risk page as read on 2026-09-23; carrier depends on the specific placement. | The reviewed page does not name a specific issuing insurer for EPL/wage-and-hour placements. 8Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific. |
| Who It’s For | 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. 5Company-reported. Here for the Long Run section; figures describe the executive-risk practice broadly, not EPLI specifically. | Relm says any company with employees, regardless of headcount, benefits from EPL coverage, and highlights fast-growing companies as facing rising HR-related exposure as they scale hiring. 8Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company. |
| Coverage Features | 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." 5Company-reported. Key Coverages list and Committed to Client Advocacy section; the quoted language frames EPLI around protecting leadership rather than describing named insuring agreements. | Relm says EPL covers legal defense and settlement costs for employee claims including harassment, discrimination, wrongful termination, breach of contract and emotional distress, and separately describes wage-and-hour coverage for issues such as minimum-wage underpayment, overtime mishandling and employee misclassification. 8Company-reported. Financial Lines page general description; the issued policy and declarations control. Relm says wage-and-hour claims are increasingly pursued as individual and class actions at both the state and federal level, and frames its wage-and-hour coverage as addressing that growing exposure specifically for large employers. 8Company-reported. Financial Lines page 'What Is Wage and Hour Liability Insurance?' section. |
| Limits and Retentions | The reviewed Executive Risk page does not publish EPLI limits or retentions. 5Not publicly disclosed. Executive Risk page as read on 2026-09-23. | Not described in the reviewed sources. |
| Risk Services | 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. 5Company-reported. The Newfront Difference and Industry-Leading Technology sections of the Executive Risk page. | Not described in the reviewed sources. |
| How to Apply | You start an EPLI placement by requesting a consultation through Newfront's Executive Risk page. 5Company-reported. Executive Risk page call-to-action; no online quoting or binding described. | Relm sells EPL coverage through insurance brokers; its reviewed pages do not describe a direct online quote. 8Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model. |
| Claims Support | Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to an EPLI claim. 5Company-reported. The Newfront Difference section; described across Executive Risk lines, not an EPLI-specific claims workflow. | Not described in the reviewed sources. |
Full Comparison
More Newfront vs Relm Insurance Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Newfront
- Business Insurance. Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
- Employee Benefits. Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
- WTW Completes Acquisition Of Newfront. WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
- 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.
Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- Financial Lines Insurance. Relm Insurance; Employment Practices Liability Insurance (EPL): What Is Employment Practices Liability Insurance?; What Is Wage and Hour Liability Insurance?; Growing Fast? Make Sure Your Cover Keeps Up; Who Needs Employment Practices Liability? Accessed 2026-09-23.
Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
