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

Through Lockton, a broker, clients reach more than 100 markets and dedicated programs for maritime, offshore and trucking employers; Newfront, also a broker, lets a client choose how much risk to keep versus pass on and has an in-house safety team.

Lockton lists specialty programs such as captives and self-insurance; Newfront offers guaranteed-cost, retro-rated and large-deductible structures plus claims advocacy. ^1,²

What Are the Key Differences Between Lockton and Newfront 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. ¹ 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. ²

Choose Lockton if you need a captive, Jones Act/USL&H coverage or self-insurance design; choose Newfront if you want financing choices and a claims team. ¹

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. ¹ 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. ²Company-reported. Subject Matter Experts and Circle of Care sections.

What Should You Confirm in Lockton and Newfront 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. ¹
Ask Newfront for the specific deductible or retention amounts on any large-deductible program it proposes; its page doesn't publish figures. ²
Confirm which insurer either brokerage would place your policy with; neither names one. ¹ ²
Ask Lockton for InfoLock benchmarking data and compare it to Newfront's claims-analytics reporting. ¹

Lockton vs Newfront Workers’ Compensation Insurance Compared

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

Criteria	Lockton Workers' Compensation Insurance Brokerage	Newfront Workers' Compensation
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. ¹Company-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. ²Company-reported. Optimized Risk Financing section.
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. ¹Company-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. ²Company-reported. Workers' compensation page Our Approach section.
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. ¹Company-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. ¹Company-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. 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

Lockton Workers' Compensation Insurance Brokerage

Newfront Workers' Compensation

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. ¹Company-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. ²Company-reported. Optimized Risk Financing section.

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. ¹Company-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. ²Company-reported. Workers' compensation page Our Approach section.

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. ¹Company-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. ¹Company-reported. Workers' Compensation product page as read 2026-09-23.

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.