---
title: "Lockton vs Newfront Workers’ Compensation Insurance"
description: "Lockton lists named specialty programs like captives and self-insurance consulting; Newfront details program-financing structures and a named claims team."
canonical: "https://spot.insure/compare/lockton-vs-newfront/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/lockton-vs-newfront/workers-compensation)

# 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.

## Research Scope and Use

Use this comparison to evaluate Lockton and Newfront for Workers’ Compensation Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Lockton names specialty capabilities including captive consulting, Texas non-subscription and self-insurance design. Newfront instead details guaranteed-cost, retro and large-deductible program structures plus a named claims-advocacy team of former adjusters and nurses. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [9](https://www.newfront.com/workers-compensation "Worker's Compensation")

## 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](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## 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](https://www.newfront.com/business-insurance "Business Insurance") [6](https://www.newfront.com/total-rewards "Employee Benefits") [7](https://www.newfront.com/navigator "Newfront Navigator") [8](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront")

[Newfront profile](https://spot.insure/insurance-providers/newfront)

## 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](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [11](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [12](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information")

## 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](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") 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](https://www.newfront.com/workers-compensation "Worker's Compensation")

### 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](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") 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. [9](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: 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](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")
- Ask Newfront for the specific deductible or retention amounts on any large-deductible program it proposes; its page doesn't publish figures. [9](https://www.newfront.com/workers-compensation "Worker's Compensation")
- Confirm which insurer either brokerage would place your policy with; neither names one. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [9](https://www.newfront.com/workers-compensation "Worker's Compensation")
- Ask Lockton for InfoLock benchmarking data and compare it to Newfront's claims-analytics reporting. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

## Offering Details

| 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. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: 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. [9](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: 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. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Not publicly disclosed; scope: 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. [9](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Not publicly disclosed; scope: 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. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: 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. [9](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: 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. [9](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Not publicly disclosed; scope: 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. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: Workers' Compensation product page as read 2026-09-23..)<br><br>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. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: 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. [9](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: Subject Matter Experts and Circle of Care sections..)<br><br>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. [9](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: 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. [9](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: 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. [9](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: Claims Advocacy section..) |

## Full Comparison

- [Lockton vs Newfront](https://spot.insure/compare/lockton-vs-newfront): all coverage lines, business roles, service and claims.
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers' compensation addresses medical care, rehabilitation and lost wages for employees with work-related injuries or illnesses.
- [Lockton vs Newfront Cargo and Transit Insurance](https://spot.insure/compare/lockton-vs-newfront/cargo-transit)
- [Lockton vs Newfront Commercial Property Insurance](https://spot.insure/compare/lockton-vs-newfront/commercial-property)
- [Lockton vs Newfront Crime Insurance](https://spot.insure/compare/lockton-vs-newfront/crime)
- [Lockton vs Newfront Cyber Insurance](https://spot.insure/compare/lockton-vs-newfront/cyber)
- [Lockton vs Newfront D&O Insurance](https://spot.insure/compare/lockton-vs-newfront/directors-officers)
- [Lockton vs Newfront Employee Health Benefits](https://spot.insure/compare/lockton-vs-newfront/employee-health-benefits)
- [Lockton vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-newfront/employment-practices)
- [Lockton vs Newfront Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-newfront/fiduciary)
- [Lockton vs Newfront General Liability Insurance](https://spot.insure/compare/lockton-vs-newfront/general-liability)
- [Lockton vs Newfront Product Liability Insurance](https://spot.insure/compare/lockton-vs-newfront/product-liability)
- [Lockton vs Newfront Representations and Warranties Insurance](https://spot.insure/compare/lockton-vs-newfront/representations-warranties)
- [Lockton vs Newfront Surety Bonds](https://spot.insure/compare/lockton-vs-newfront/surety-bonds)
- [Alliance Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/workers-compensation)
- [Alliance Risk vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/workers-compensation)
- [Amelia Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/workers-compensation)
- [Amelia Risk vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/workers-compensation)
- [Chubb vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-lockton/workers-compensation)
- [Chubb vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-newfront/workers-compensation)

## Sources

### Lockton

1. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
2. [Technology](https://global.lockton.com/us/en/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.
3. [US Terms of Business](https://global.lockton.com/us/en/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.
4. [Workers' Compensation](https://global.lockton.com/us/en/products-services/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

5. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
6. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
7. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
8. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
9. [Worker's Compensation](https://www.newfront.com/workers-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

10. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-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.
11. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). 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.
12. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). 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.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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