Harper vs Newfront: How Do They Compare for Workers’ Compensation Insurance?

Newfront brokers programs that let you choose how much risk you keep, adds a safety team and claims advocates, and starts from a consultation; Harper shops one online or phone application to insurers that write your job classes.

Newfront offers guaranteed-cost, retro and large-deductible program structures with claims and safety teams; Harper checks payroll job codes before placing a standard-market policy. ^2,¹

What Are the Key Differences Between Harper and Newfront Workers’ Compensation Insurance?

Program Structure Versus Standard-Market Classification

Newfront lets a buyer choose how much claim risk to retain; Harper says wrong job codes can cause a large audit bill. Choose Newfront for alternative risk financing and claims support; choose Harper if accurate employee classifications before binding are the priority. 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. Harper's page does not describe comparable named safety or claims teams; its central service is the pre-bind payroll and job-code review. ² ¹

How You Start Each Relationship

Newfront's page directs buyers to request a consultation and names its practice leaders by role, without an online quote or bind flow. Harper's page instead offers an online form or phone request, after which Harper says the application is shopped to the insurers that write the business's job classes. ² ¹

What Should You Confirm in Harper and Newfront Workers’ Compensation Insurance Quotes?

Ask Newfront which of guaranteed-cost, retro-rated or large-deductible financing would apply to this account and what collateral it would require. ²
Ask Harper which job/class codes it assigned to the business and why. 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 Harper whether a comparable service exists. ²

Harper vs Newfront Workers’ Compensation Insurance Compared

Harper vs Newfront: Workers’ Compensation Insurance: documented features by provider

Criteria	Harper Workers Compensation Insurance	Newfront Workers' Compensation
How to Apply	You request a quote through Harper's online form or by phone; Harper says the application is shopped to the insurers that write the business's job classes. ¹Company-reported. Workers compensation page quote form and 'Why Harper' process steps.	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	Harper describes the coverage as paying medical costs and lost wages for employees injured on the job, funding rehabilitation, and including employer's liability for related lawsuits that fall outside the workers' comp system. ¹Company-reported. Workers compensation page's four coverage tiles; the issued policy and state comp statute control actual scope.	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	Harper places workers' compensation coverage as a broker, pricing it off a client's actual payroll and job categories rather than underwriting the policy itself. ¹Company-reported. Workers compensation page introduction and 'Why Harper' section.	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.
Risk Services	Harper says it classifies a client's payroll into the correct job/class codes before binding, since insurers price workers' comp by class code and a wrong classification is a common cause of a large bill at audit. ¹Company-reported. Workers compensation page 'We know this' section and FAQ 'What will the audit look like?'; a described placement practice, not an independently verified outcome.	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. ²Company-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. ²Company-reported. Technology-Based Resources section.