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

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

## Agent Guide

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

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

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

# 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 builds EPLI with wage-and-hour defense into most business owner’s policies outside CA, MN, ND and NY, while Newfront brokers EPL for venture-backed companies from seed stage through IPO.

## Newfront vs The Hartford Employment Practices Liability Insurance Summary

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](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [1](https://www.newfront.com/executive-risk "Executive Risk")

## 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](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [1](https://www.newfront.com/executive-risk "Executive Risk")

### 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](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [1](https://www.newfront.com/executive-risk "Executive Risk")

### 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](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [1](https://www.newfront.com/executive-risk "Executive Risk")

## 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](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [1](https://www.newfront.com/executive-risk "Executive Risk")
- Check your limit: The Hartford publishes $25,000 on its Spectrum BOP, written by Hartford Underwriters Insurance Company; get Newfront’s quoted limit. [2](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [1](https://www.newfront.com/executive-risk "Executive Risk")
- Ask Newfront whether its placement covers customer claims and wage-and-hour defense. [2](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [1](https://www.newfront.com/executive-risk "Executive Risk")

## Newfront vs The Hartford Employment Practices Liability Compared

| 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. [1](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..) | 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. [2](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: 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." [1](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..) | 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. [2](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: EPLI product page as read 2026-09-23..) |

## About Newfront and The Hartford and Employment Practices Liability

- [Newfront company profile](https://spot.insure/insurance-providers/newfront) · [Newfront customer reviews](https://spot.insure/insurance-providers/newfront/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices)

## Related Pages for Newfront vs The Hartford

- [Newfront vs The Hartford](https://spot.insure/compare/newfront-vs-the-hartford): 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.
- [Newfront Employment Practices Liability Insurance](https://spot.insure/insurance-providers/newfront/employment-practices)
- [The Hartford Employment Practices Liability Insurance](https://spot.insure/insurance-providers/the-hartford/employment-practices)

## Sources for Newfront vs The Hartford

### Sources About Newfront

1. [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.

### Sources About The Hartford

2. [Employment Practices Liability Insurance | EPL Insurance](https://www.thehartford.com/employment-practices-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.

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/newfront-vs-the-hartford/employment-practices.md)
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