Gallagher vs 
Newfront: How Do They Compare for Workers’ Compensation Insurance?
Newfront, a broker, offers program structures that let you choose how much risk you keep, plus a safety team and claims advocates who are former adjusters; Gallagher Small Business arranges coverage with partner carriers and offers an online form and advisor phone line.
Newfront offers guaranteed-cost, retro and large-deductible structures plus safety and claims teams; Gallagher describes standard small-business coverage and a self-serve quote. 2,1
What Are the Key Differences Between Gallagher and Newfront Workers’ Compensation Insurance?
Program Structure Versus a Standard Policy
Newfront lets larger or complex accounts choose how much risk to retain and names a claims advocacy team; Gallagher offers phone and callback support. Choose Newfront for alternative risk structures; choose Gallagher for a small-business online, phone or callback quote. 2 2 1
Claims and Safety Services
Newfront names an in-house Occupational Health & Safety team, a claims-advocacy team of former adjusters and nurses, and a "Circle of Care" program combining injury prevention with recovery support. Gallagher's page does not describe comparable named safety or claims-advocacy services; it lists claim causes it tracks instead, such as overexertion and workplace violence. 2 1
How You Start Each Relationship
Gallagher offers a self-serve online quote form, a small-business advisor phone line, and a scheduled callback request. Newfront's page directs buyers to request a consultation and names its practice leaders by role, without an online quote or bind flow. 1 2
What Should You Confirm in Gallagher and Newfront Workers’ Compensation Insurance Quotes?
- Ask Newfront which financing structure fits the business and what collateral or deductible it would require. 2
- Ask Gallagher whether any of its listed top claim causes apply to the business's operations. 1
- Neither reviewed page names the issuing insurer; request that in writing from both before binding. 2 1
- If claims volume is a concern, ask Newfront about its claims-advocacy process and ask Gallagher whether a comparable service exists. 2
Gallagher vs Newfront Workers’ Compensation Insurance Compared
Gallagher vs Newfront: Workers’ Compensation Insurance: documented features by provider
| Criteria | Gallagher Small Business Workers' Compensation Insurance | Newfront Workers' Compensation |
|---|---|---|
| How to Apply | Gallagher offers an online quote form, a small business advisor phone line (1.833.292.9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a workers' compensation quote. 1Company-reported. Product page "Get Covered Now" section. | 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. 2Company-reported. Page call-to-action and Leadership section. |
| Coverage Features | Gallagher describes workers' compensation as covering medical costs and lost wages from a workplace injury or illness, costs to retrain a returning injured employee, related legal fees, and wages for a temporary replacement worker. 1Company-reported. Product page coverage overview; the issued policy and its exclusions control. Gallagher lists overexertion, slips/trips/falls, electrocution, being struck by or against objects, transportation incidents, machinery accidents, unintentional overdoses, workplace violence, and exposure to harmful substances as the top workers' compensation claim causes it tracks. 1Company-reported. Product page "Top 10 workers' compensation claims" list; a general industry pattern, not specific to any one policyholder. | 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. 2Company-reported. Optimized Risk Financing section. |
| Role in This Line | Gallagher Small Business arranges workers' compensation coverage with partner carriers rather than underwriting the policy itself. 1Company-reported. Gallagher Small Business's direct-to-small-business workers' compensation product page. | Newfront brokers workers' compensation programs and provides claims advocacy and risk-control services; it does not underwrite the policy itself. 2Company-reported. Workers' compensation page Our Approach section. |
