Newfront vs 
The Hartford Employment Practices Liability Insurance
Newfront brokers EPLI in Executive Risk from seed through public companies; The Hartford underwrites EPLI in BOP, package, and stand-alone products with state carve-outs.
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 The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. 6,7,8
What Is Employment Practices Liability Insurance?
Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. 10
Key Differences in Employment Practices Liability Insurance
Brokered Executive Risk Versus Hartford Products
Newfront brokers EPLI in Executive Risk and does not name an issuing insurer. The Hartford’s EPLI is built into its Business Owner’s Policy for most classes, included in Private Choice Premier, and sold stand-alone as Employers Premier Choice. A Newfront quote is a placement; a Hartford quote is Hartford paper. 5 9
Funding Stage Versus State and Limit Footnotes
Newfront describes a book from seed-stage private companies through more than 500 public companies. Hartford footnotes say there is no built-in EPL in California, Minnesota, North Dakota or New York, that the described program does not apply to California-written EPL, and that a $25,000 limit applies to Spectrum business in Hartford Underwriters Insurance Company. Stage is Newfront’s published dimension; state and a named writing-company limit are Hartford’s. 5 9
Leadership Protection Versus Built-In Third-Party and Wage-and-Hour Defense
Newfront frames EPLI as shielding directors from wrongful discrimination and termination, and offers predictive models, a 24/7 dashboard, and integrated claims negotiation. Hartford lists discrimination (including age), retaliation, FMLA, wrongful discipline or termination, failure to promote and harassment, says third-party EPLI is included for most businesses, includes Wage and Hour Defense Cost on the BOP, and offers hartfordhelp.com with increased limits. Newfront’s reviewed page does not describe those Hartford package features. 5 9
What to Confirm in Employment Practices Liability Insurance Quotes
- If you are in one of Hartford’s four carved-out states, ask how EPL is written there and which market Newfront would use. 9 5
- Compare Hartford’s $25,000 Spectrum figure with the limit on Newfront’s placed form. 9 5
- Ask whether third-party EPL and wage-and-hour defense appear on both quotes. 9 5
- Confirm access to hartfordhelp.com versus Newfront’s dashboard and claims negotiation. 9 5
Offering Details
Newfront vs The Hartford Employment Practices Liability Insurance: documented features by provider
| Criteria | Newfront Employment Practices Liability Insurance (EPLI) | The Hartford Employment Practices Liability Insurance (EPLI) |
|---|---|---|
| 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. | The Hartford's EPLI is built into its Business Owner's Policy for most classes, is included in its Private Choice Premier package policy, and is also sold stand-alone as Employers Premier Choice. 9Company-reported. EPLI product page as read 2026-09-23. |
| 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 Hartford names Hartford Underwriters Insurance Company as the writing company for the described $25,000 Spectrum EPL limit, though other EPLI products on the page (BOP-included, Private Choice Premier, Employers Premier Choice) are not each tied to a named writing company on this page. 9Company-reported. EPLI product page footnote as read 2026-09-23. |
| 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. | The Hartford's footnotes say there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on the page does not apply to EPL coverage written in California. Coverage and limits also vary by state and business class. 9Company-reported. EPLI product page footnotes as read 2026-09-23 (page last updated by The Hartford November 26, 2025). |
| 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. | The Hartford says its EPLI covers claims of discrimination (including age), retaliation, FMLA violations, wrongful discipline or termination, failure to promote, and harassment, and that third-party EPLI (claims from customers, vendors or business invitees, not just employees) is included for most businesses. Its BOP also automatically includes Wage and Hour Defense Cost coverage as part of the built-in EPLI. 9Company-reported. EPLI product page as read 2026-09-23. General coverage description; the issued policy controls. |
| 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. | The Hartford's EPLI footnote states a $25,000 limit applies to Spectrum business written in Hartford Underwriters Insurance Company. 9Company-reported. EPLI product page footnote as read 2026-09-23. Applies specifically to Spectrum-program business at that writing company; other products/limits are not addressed. |
| 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. | The Hartford says it gives employers access to hartfordhelp.com, a proprietary site with web-based training on topics like sexual harassment and wrongful termination, current articles on employment-practices trends, and model employment policies and handbooks; this program requires purchase of increased EPL limits and may not be available in all states. 9Company-reported. EPLI product page as read 2026-09-23. |
| 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. | Not described in the reviewed sources. |
| 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 The Hartford 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.
The Hartford
- Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
- Employment Practices Liability Insurance | EPL Insurance. The Hartford; What Is Employment Practices Liability Insurance?; Why Do I Need EPLI?; If You Have Employees, You Need EPLI; Prevention Is Your Best Protection; footnotes 1-4 on state availability and Wage and Hour Defense Cost. 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.
