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

Newfront lets clients choose how much risk to keep, with an in-house safety team and claims advocates; HUB International brokers workers' comp too, helping tell employees from contractors and listing exclusions.

Newfront describes guaranteed-cost, retro and large-deductible program options plus a claims-advocacy team of former adjusters and nurses. HUB's page instead lists what the policy pays for and offers misclassification-liability guidance. ^2,¹

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

How Much Risk You Keep

Both HUB and Newfront broker workers' compensation rather than underwrite it, but they document the placement differently. HUB's page describes a standard policy paying medical bills, disability, rehabilitation and survivor benefits. ¹ Newfront instead lays out program-financing choices: guaranteed-cost, retrospectively rated, large-deductible and alternative-collateral structures that let a client decide how much of the risk it keeps versus transfers to a carrier. ²

Claims Handling and Advisory Services

HUB's reviewed page highlights one specific service: helping clients address worker misclassification liability and separate employees from contractors. ¹ Newfront names a broader team instead, describing in-house claims advocates (former adjusters, attorneys, nurses and claim managers) who work through TPA selection, reserve increases and settlement-authority decisions, plus an in-house Occupational Health & Safety team. ²

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

Ask HUB whether its misclassification review covers your specific contractor arrangements. ¹
Ask Newfront for the deductible or retention amounts on any large-deductible or captive structure it proposes; its page does not publish figures. ²
Get the issuing insurer from both firms, since neither page names one. ¹ ²
If you're comparing guaranteed-cost against a standard policy, ask Newfront how each affects your cash flow and claims exposure differently. ²

HUB International vs Newfront Workers’ Compensation Insurance Compared

HUB International vs Newfront: Workers’ Compensation Insurance: documented features by provider

Criteria	HUB International Workers' Compensation Insurance Brokerage	Newfront Workers' Compensation
Coverage Features	HUB says workers' compensation covers medical bills, disability payments, rehabilitation and recovery costs, partial missed wages, and funeral or survivor benefits for injuries and illnesses sustained in the course of employment, plus an employer's legal defense fees and settlements for related workplace-injury lawsuits. ¹Company-reported. Product-page coverage description; the issued policy and state law control an actual claim. HUB lists exclusions that can apply to workers' compensation claims, including injuries that originated outside the workplace, were self-inflicted, resulted from a fight the employee started, relate to a felony, were claimed after termination or layoff, or occurred while the employee was under the influence of drugs or alcohol. ¹Company-reported. Product-page exclusions list; actual claim outcomes depend on the specific policy and state law.	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	HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. ¹Company-reported. Workers' compensation product page as read 2026-09-23; the page does not name an issuing insurer.	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	HUB describes helping clients address worker misclassification liability and distinguishing employees from contractors as part of its workers' compensation brokerage, alongside broader risk-reduction guidance. ¹Company-reported. Product-page misclassification-liability section; a company-reported advisory service.	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.

Criteria

HUB International Workers' Compensation Insurance Brokerage

Newfront Workers' Compensation

Coverage Features

HUB says workers' compensation covers medical bills, disability payments, rehabilitation and recovery costs, partial missed wages, and funeral or survivor benefits for injuries and illnesses sustained in the course of employment, plus an employer's legal defense fees and settlements for related workplace-injury lawsuits. ¹Company-reported. Product-page coverage description; the issued policy and state law control an actual claim.

HUB lists exclusions that can apply to workers' compensation claims, including injuries that originated outside the workplace, were self-inflicted, resulted from a fight the employee started, relate to a felony, were claimed after termination or layoff, or occurred while the employee was under the influence of drugs or alcohol. ¹Company-reported. Product-page exclusions list; actual claim outcomes depend on the specific policy and state law.

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

HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. ¹Company-reported. Workers' compensation product page as read 2026-09-23; the page does not name an issuing insurer.

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

HUB describes helping clients address worker misclassification liability and distinguishing employees from contractors as part of its workers' compensation brokerage, alongside broader risk-reduction guidance. ¹Company-reported. Product-page misclassification-liability section; a company-reported advisory service.

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.