Lockton vs Newfront Workers’ Compensation Insurance

Lockton lists named specialty programs like captives and self-insurance consulting; Newfront details program-financing structures and a named claims team.

What Is Lockton?

Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. ^1,^2,³

Read the Lockton profile

What Is Newfront?

Newfront is a business-insurance and employee-benefits brokerage that combines specialist teams with online policy-management tools. It is now part of WTW. ^5,^6,^7,⁸

Read the Newfront profile

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance addresses medical care, rehabilitation and lost wages for employees’ work-related injuries or illnesses. Not every worker, contractor or owner is automatically covered, and not every injury qualifies — check who's included and what's compensable under your state's rules. ^10,^11,¹²

Read the full coverage guide

Key Differences in Workers’ Compensation Insurance

Specialty Coverage Versus Program Financing Choices

Lockton names specialty capabilities for this line: captive consulting and formation, Texas non-subscription, Jones Act/Outer Continental Shelf/USL&H programs, and qualified self-insurance design, implementation and placement. ⁴ Newfront instead frames the choice around program financing: guaranteed-cost, retrospectively rated, large-deductible and alternative-collateral structures that let a client decide how much risk it keeps. ⁹

Risk and Claims Services

Lockton says it offers a full suite of safety services, OSHA consulting, and claims service advocates to reduce retained loss costs, alongside InfoLock benchmarking. ⁴ Newfront instead names a specific team structure: claims advocates who are former adjusters, attorneys and nurses, plus an in-house Occupational Health & Safety team and a technology suite for claims analytics and OSHA recordkeeping.

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. ⁹Company-reported. Subject Matter Experts and Circle of Care sections.

What to Confirm in Workers’ Compensation Insurance Quotes

If your operation needs captive formation or self-insurance design, ask Newfront whether it offers comparable structures, since its page describes different financing options. ⁴
Ask Newfront for the specific deductible or retention amounts on any large-deductible program it proposes; its page doesn't publish figures. ⁹
Confirm which insurer either brokerage would place your policy with; neither names one. ⁴ ⁹
Ask Lockton for InfoLock benchmarking data and compare it to Newfront's claims-analytics reporting. ⁴

Offering Details

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

Criteria	Lockton Workers' Compensation Insurance Brokerage	Newfront Workers' Compensation
Role in This Line	Lockton's workers' compensation team designs programs and analyzes their effectiveness through what it calls a strategic claims mitigation process; the team includes actuaries, claims advisors and safety specialists working alongside brokers. Lockton is the broker, not the insurer of record. ⁴Company-reported. Workers' Compensation product page as read 2026-09-23.	Newfront brokers workers' compensation programs and provides claims advocacy and risk-control services; it does not underwrite the policy itself. ⁹Company-reported. Workers' compensation page Our Approach section.
Issuing Insurer	The page does not name the workers' compensation insurers or programs Lockton places coverage with for a given client, beyond describing access to '100+ markets' in general terms. ⁴Not publicly disclosed. Workers' Compensation page checked 2026-09-23.	The reviewed workers' compensation page does not name an issuing insurer; the carrier depends on the specific program placed for each client. ⁹Not publicly disclosed. Page as read on 2026-09-23.
Coverage Features	Lockton lists specialty workers' compensation capabilities: alternative risk expertise including captive consulting and formation, Texas non-subscription consulting, Jones Act/Outer Continental Shelf/USL&H programs for maritime and offshore exposures, trucking solutions including occupational accident programs, and qualified self-insurance consulting, implementation, administration, design and placement. ⁴Company-reported. Workers' Compensation product page as read 2026-09-23. A capability list, not a specimen policy.	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. ⁹Company-reported. Optimized Risk Financing section.
Limits and Retentions	Not described in the reviewed sources.	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. ⁹Not publicly disclosed. Optimized Risk Financing section, no schedule of amounts.
Risk Services	Lockton says clients can access more than 100 regional, global and program workers' compensation markets, and it offers benchmarking through its InfoLock service. ⁴Company-reported. Workers' Compensation product page as read 2026-09-23. Lockton says it offers a full suite of safety services designed to reduce loss costs, OSHA consulting, loss forecasting and probability analysis, and claims service advocates to help ensure coverage and reduce retained loss costs. ⁴Company-reported. Workers' Compensation product page as read 2026-09-23.	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. ⁹Company-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. ⁹Company-reported. Technology-Based Resources section.
How to Apply	Not described in the reviewed sources.	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. ⁹Company-reported. Page call-to-action and Leadership section.
Claims Support	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. ⁹Company-reported. Claims Advocacy section.

Sources

Lockton

Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
Technology. Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
US Terms of Business. Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
Workers' Compensation. Lockton; Empower your workforce to achieve your company goals; Access to a multitude of experts; list of workers' compensation expert services (100+ markets, InfoLock benchmarking, alternative risk/captive consulting, Texas non-subscription, Jones Act/OCS/USL&H, trucking occupational accident programs, self-insurance consulting, safety services, OSHA consulting, claims service advocates). Accessed 2026-09-23.

Newfront

Business Insurance. Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
Employee Benefits. Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
Newfront Navigator. Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
WTW Completes Acquisition Of Newfront. WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
Worker's Compensation. Newfront; Our Approach: Optimized Risk Financing, Claims Advocacy, Circle of Care, Data-Backed Insights; Subject Matter Experts; Technology-Based Resources; Head of Casualty Practice Frannie Epps; Director of Risk Control Services Scott Rhymes. Accessed 2026-09-23.

Workers’ Compensation Insurance Guide

Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.