--- title: "Newfront vs Zurich U.S.: Employment Practices Liability Insurance" description: "Newfront provides a dashboard and predictive-model guidance across growth stages for EPLI clients; Zurich lists workplace-law resources, training, and hotline access." canonical: "https://spot.insure/compare/newfront-vs-zurich/employment-practices" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "newfront-vs-zurich" provider-a: "newfront" provider-b: "zurich" coverage-line: "employment-practices" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/newfront-vs-zurich/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Newfront and Zurich U.S. 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 Zurich U.S.. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Newfront vs Zurich U.S. for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Newfront or Zurich U.S.? - What does Newfront or Zurich U.S. publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Employment Practices Liability Insurance from Newfront or Zurich U.S.? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: Newfront and Zurich U.S.. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Newfront vs Zurich U.S.](https://spot.insure/compare/newfront-vs-zurich) — parent: all coverage lines for this pair - [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line - [Newfront profile](https://spot.insure/insurance-providers/newfront) — provider profile (evidence) - [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence) - [Newfront vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/newfront-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Newfront vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/newfront-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line) - [Newfront vs Zurich U.S. Crime Insurance](https://spot.insure/compare/newfront-vs-zurich/crime) — sibling comparison (other line, or other pair for this line) - [Newfront vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/newfront-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line) - [Newfront vs Zurich U.S. D&O Insurance](https://spot.insure/compare/newfront-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line) - [Newfront vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/newfront-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [Newfront vs Zurich U.S. Management Liability Insurance](https://spot.insure/compare/newfront-vs-zurich/management-liability) — sibling comparison (other line, or other pair for this line) - [Newfront vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/newfront-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Newfront vs Zurich U.S. Surety Bonds](https://spot.insure/compare/newfront-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line) - [AIG vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-newfront/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line) # Newfront vs Zurich U.S.: How Do They Compare for Employment Practices Liability Insurance? Newfront provides a dashboard and predictive-model guidance across growth stages for EPLI clients; Zurich lists workplace-law resources, training, and hotline access. ## Research Scope and Use Use this comparison to evaluate Newfront and Zurich U.S. for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Newfront highlights growth-stage guidance and 24/7 dashboard access; Zurich describes EPLI training, workplace-law resources, and hotline support. [5](https://www.newfront.com/executive-risk "Executive Risk") [8](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.") ## What Is Newfront? Newfront suits growing and enterprise businesses seeking specialist insurance and benefits teams plus Navigator policy tools; small firms wanting an instant direct quote should compare online carriers. Its Partner Management tool is included in client service agreements. [1](https://www.newfront.com/business-insurance "Business Insurance") [2](https://www.newfront.com/total-rewards "Employee Benefits") [3](https://www.newfront.com/navigator "Newfront Navigator") [4](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront") [Newfront profile](https://spot.insure/insurance-providers/newfront) ## Zurich U.S. Business Insurance: Products, Access, and Claims Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. [6](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [7](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) ## What Is Employment Practices Liability Insurance? EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [9](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [10](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [11](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions") ## Key Differences in Employment Practices Liability Insurance ### Ongoing account access and workplace support Newfront says its Executive Risk clients receive 24/7 dashboard access to policies, certificates, and billing, with predictive models used to tailor guidance as a company grows. Zurich lists EPLI workplace-law resources, training, an employment hotline, sample policies, and checklists, while noting some services may cost extra. Newfront’s described tools organize the insurance program; Zurich’s tools focus on employment practices. Employers should ask Newfront which EPL details the dashboard exposes and Zurich which HR resources are included in the quote. [5](https://www.newfront.com/executive-risk "Executive Risk") [8](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.") ### Placement and policy wording Newfront brokers EPLI within its Executive Risk practice and starts placements through a consultation; it says integrated claims and coverage negotiation applies to its executive-risk lines. Zurich describes defense costs, judgments, and settlements for employment allegations and optional endorsements. Newfront’s record does not publish a workforce-specific eligibility threshold, while Zurich’s record highlights broad employee and territory terms. Buyers should request the actual form and confirm how each placement handles applicants, contractors, and state-specific claims. [5](https://www.newfront.com/executive-risk "Executive Risk") [8](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.") ## What to Confirm in Employment Practices Liability Insurance Quotes - Ask Newfront which policy and claims negotiation support apply to EPLI and how renewal terms adjust as headcount changes. [5](https://www.newfront.com/executive-risk "Executive Risk") - Ask Zurich whether its policy covers your worker types and locations and which optional endorsements apply. [8](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.") ## Offering Details | Criteria | Newfront Employment Practices Liability Insurance (EPLI) | Zurich Employment Practices Liability Insurance | | --- | --- | --- | | 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. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk offering page and Leadership section..) | Confirm in your quote. | | Issuing Insurer | The reviewed Executive Risk page does not name the insurer or insurers that would issue an EPLI policy placed through Newfront. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not publicly disclosed; scope: Executive Risk page as read on 2026-09-23; carrier depends on the specific placement..) | Confirm in your quote. | | 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. [5](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..) | Confirm in your quote. | | 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." [5](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..) | Zurich EPLI can address defense costs, judgments and settlements for employment-related allegations including discrimination, harassment, retaliation, wrongful termination and failure to hire/promote. [8](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; employment practices liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | | Limits and Retentions | The reviewed Executive Risk page does not publish EPLI limits or retentions. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not publicly disclosed; scope: Executive Risk page as read on 2026-09-23..) | Zurich identifies a broad employee definition, third-party coverage availability, worldwide territory where legally permissible and optional endorsements. [8](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; employment practices liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | | 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. [5](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..) | Zurich EPLI customers can access workplace-law resources, training, an employment hotline, sample policies and checklists; the page says some portal services may cost extra. [8](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; employment practices liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) | | How to Apply | You start an EPLI placement by requesting a consultation through Newfront's Executive Risk page. [5](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk page call-to-action; no online quoting or binding described..) | Confirm in your quote. | | Claims Support | Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to an EPLI claim. [5](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..) | Confirm in your quote. | ## Full Comparison - [Newfront vs Zurich U.S.](https://spot.insure/compare/newfront-vs-zurich): 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 vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/newfront-vs-zurich/commercial-auto) - [Newfront vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/newfront-vs-zurich/commercial-property) - [Newfront vs Zurich U.S. Crime Insurance](https://spot.insure/compare/newfront-vs-zurich/crime) - [Newfront vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/newfront-vs-zurich/cyber) - [Newfront vs Zurich U.S. D&O Insurance](https://spot.insure/compare/newfront-vs-zurich/directors-officers) - [Newfront vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/newfront-vs-zurich/fidelity-bonds) - [Newfront vs Zurich U.S. Management Liability Insurance](https://spot.insure/compare/newfront-vs-zurich/management-liability) - [Newfront vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/newfront-vs-zurich/professional-errors-omissions) - [Newfront vs Zurich U.S. Surety Bonds](https://spot.insure/compare/newfront-vs-zurich/surety-bonds) - [AIG vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-newfront/employment-practices) - [AIG vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-zurich/employment-practices) - [Alliance Risk vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/employment-practices) - [Alliance Risk vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/employment-practices) - [Amelia Risk vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/employment-practices) - [Amelia Risk vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-zurich/employment-practices) ## Sources ### Newfront 1. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15. 2. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16. 3. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15. 4. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15. 5. [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. ### Zurich U.S. 6. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28. 7. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28. 8. [Employment Practices Liability Insurance (EPLI) | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance). Zurich U.S.; EPLI protection, coverage features, risk services. Accessed 2026-09-28. ### Employment Practices Liability Insurance Guide 9. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16. 10. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16. 11. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16. Updated 2026-09-30. 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. ## Newfront Reviews Review Score: 10.0 / 10 from 1 rated source, equally weighted. Newfront has too little firmwide customer feedback for a reliable review verdict. An individual agent’s BBB grade does not establish the wider company’s service quality. - BBB: BBB grade A (BBB letter grade). BBB profile for Ryan Tice | Newfront Insurance at a San Francisco address. Individual-producer/local listing, not Newfront Insurance Services company-wide. BBB profile displays A grade and says not BBB Accredited; grade is not customer stars. Period: File opened 2023-12-22; accessed 2026-09-25. Checked 2026-09-25. [Ryan Tice | Newfront Insurance | BBB](https://www.bbb.org/us/ca/san-francisco/profile/insurance-agency/ryan-tice---newfront-insurance-1116-955130) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/newfront/reviews). ## Zurich U.S. Reviews Review Score: not enough ratings. The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim. - NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance) - Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com) - ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html) - BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/newfront-vs-zurich/employment-practices.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)