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

Newfront brokers EPLI for private companies from seed stage through IPO, with tailored growth guidance and integrated claims support. The Hartford builds EPLI into its Business Owner's Policy for most classes, but not in California, Minnesota, North Dakota or New York.

The Hartford includes EPLI, with customer claims and wage-and-hour defense, in most business owner’s policies, except in California, Minnesota, North Dakota and New York. Newfront is a broker for venture-backed companies from seed to IPO that negotiates claims across your executive-risk policies. ^2,¹

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

Built-In BOP Coverage vs a Growth-Stage Broker

The Hartford underwrites EPLI itself: built into most business owner’s policy (BOP) classes, included in Private Choice Premier, or standalone as Employers Premier Choice. Newfront places EPLI through its Executive Risk practice, serving companies from seed stage through more than 500 public companies, and starts with a consultation. Choose The Hartford if you are a small business outside California, Minnesota, North Dakota and New York that wants EPLI with its BOP; choose Newfront if you are venture-backed, in those states, or heading toward IPO. ² ¹

Documented Coverage and State Carve-Outs vs Leadership Framing

The Hartford lists discrimination (including age), retaliation, FMLA, wrongful discipline or termination, failure to promote and harassment, covers customer and vendor claims for most businesses, and adds wage-and-hour defense on the BOP. But it has no built-in EPL in California, Minnesota, North Dakota or New York. Newfront frames EPLI as shielding directors from discrimination and termination claims and publishes no coverage list. ² ¹

HR Training vs Dashboard and Claims Negotiation

Buy higher EPL limits from The Hartford and you get hartfordhelp.com training and model policies. Newfront offers a 24/7 dashboard and negotiates claims and coverage for you across executive-risk lines. ² ¹

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

In California, Minnesota, North Dakota or New York, ask The Hartford how it writes EPL and which insurer Newfront would use. ² ¹
Check your limit: The Hartford publishes $25,000 on its Spectrum BOP, written by Hartford Underwriters Insurance Company; get Newfront’s quoted limit. ² ¹
Ask Newfront whether its placement covers customer claims and wage-and-hour defense. ² ¹

Newfront vs The Hartford Employment Practices Liability Compared

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)
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. ¹Company-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. ²Company-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." ¹Company-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. ²Company-reported. EPLI product page as read 2026-09-23. General coverage description; the issued policy controls.
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. ¹Company-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. ²Company-reported. EPLI product page as read 2026-09-23.
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. ¹Company-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. ²Company-reported. EPLI product page as read 2026-09-23.