Amelia Risk vs Newfront Workers’ Compensation Insurance

Amelia Risk is a brokerage, not an insurer, and it places Workers Compensation as its own listed catalogue line on its policies hub. ⁵Company-reported. Policies hub as read on 2026-09-23. Does not identify which insurer would issue a placed policy.

Newfront brokers workers' compensation programs and provides claims advocacy and risk-control services; it does not underwrite the policy itself. ¹⁰Company-reported. Workers' compensation page Our Approach section.

The dedicated Workers Compensation page does not name an issuing insurer, state fund or program; Amelia Risk's general pages say it places business with the dozens of insurance companies it works with, so the carrier for a Workers Compensation placement depends on underwriting and state requirements. ^4,2Not publicly disclosed. Dedicated Workers Compensation page and specialties process page, both as read on 2026-09-23. A checked gap, not a statement that no insurer exists.

The reviewed workers' compensation page does not name an issuing insurer; the carrier depends on the specific program placed for each client. ¹⁰Not publicly disclosed. Page as read on 2026-09-23.

Amelia Risk says a company should buy Workers Compensation whenever it has an employee on payroll, and notes that eligible officers can decline coverage for themselves. ⁴Company-reported. Dedicated Workers Compensation page's purchase-timing guidance. A general trigger the firm states, not a jurisdiction-by-jurisdiction eligibility or officer-exclusion rule, which varies by state.

Not described in the reviewed sources.

Amelia Risk describes Workers Compensation as statutory coverage required by all 50 states, paying an injured employee's medical bills when the employee is hurt or injured at work. ⁴Company-reported. Dedicated Workers Compensation page's coverage description. A plain-language summary of the firm's own explanation, not a specimen policy form.

Amelia Risk says a Workers Compensation policy also includes Employer's Liability, which covers suits alleging the employer's negligence caused an employee's injury. ⁴Company-reported. Dedicated Workers Compensation page. Describes the firm's stated policy structure, not the specific limits attached to that component.

Newfront offers guaranteed cost and retro (retrospectively rated) programs as well as large-deductible and alternative-collateral structures for workers' compensation, letting a client choose how much risk it retains versus transfers. ¹⁰Company-reported. Optimized Risk Financing section.

Amelia Risk states that Workers Compensation premium is calculated as a function of payroll multiplied by a rate; the page does not publish specific rate figures or a rating class table. ⁴Company-reported. Dedicated Workers Compensation page. A general pricing-mechanics statement, not a quote or rate schedule.

The reviewed page does not publish deductible or retention amounts for large-deductible or captive workers' compensation programs; specific structures are described as 'identified and implemented' per client rather than listed with figures. ¹⁰Not publicly disclosed. Optimized Risk Financing section, no schedule of amounts.

Not described in the reviewed sources.

Newfront describes an in-house Occupational Health & Safety team focused on loss control and OSHA compliance, a claims advocacy team of former adjusters, attorneys, nurses and claim managers, and its 'Circle of Care' program combining injury prevention, claims management, and recovery support. ¹⁰Company-reported. Subject Matter Experts and Circle of Care sections.

Newfront says clients get access to claims analytics, an online safety and HR learning management system, a safety/HR/wellness resource library, an OSHA recordkeeping and reporting tool, and an HR hotline. ¹⁰Company-reported. Technology-Based Resources section.

Amelia Risk applies its general four-step brokerage process to a Workers Compensation request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ²Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Workers Compensation-specific intake form.

You engage Newfront for workers' compensation by requesting a consultation through the page; the practice is led by Frannie Epps with risk control led by Scott Rhymes, and no online quote or bind flow is described. ¹⁰Company-reported. Page call-to-action and Leadership section.

Not described in the reviewed sources.

Newfront's claims advocates say they support clients through TPA (third-party administrator) and adjuster selection, reserve-increase guidance, and settlement-authority decisions throughout the life of a claim. ¹⁰Company-reported. Claims Advocacy section.