---
title: "Marsh McLennan Agency vs Newfront: Workers’ Compensation Insurance"
description: "Newfront’s cited claim says: “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.” Its recorded scope says: “Optimized Risk Financing section.” Marsh McLennan Agency’s selected claim says: “The cited product page describes workers' compensation as a business coverage option, alongside risk-management support focused on safety and prevention. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction.” Its recorded scope says: “workers compensation marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.” These records address different subjects and do not establish a like-for-like comparison, so this route remains on evidence hold."
canonical: "https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "marsh-mclennan-agency-vs-newfront"
provider-a: "marsh-mclennan-agency"
provider-b: "newfront"
coverage-line: "workers-compensation"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

**What this page is:** Focused comparison of Marsh McLennan Agency and Newfront for Workers’ Compensation Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Workers’ Compensation Insurance questions about Marsh McLennan Agency versus Newfront. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Marsh McLennan Agency vs Newfront for Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, Marsh McLennan Agency or Newfront?
- What does Marsh McLennan Agency or Newfront publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Workers’ Compensation Insurance from Marsh McLennan Agency or Newfront?

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: Marsh McLennan Agency and Newfront.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Marsh McLennan Agency vs Newfront](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront) — parent: all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line
- [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence)
- [Newfront profile](https://spot.insure/insurance-providers/newfront) — provider profile (evidence)
- [Marsh McLennan Agency vs Newfront Cargo and Transit Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Newfront Commercial Auto Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Newfront Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Newfront Crime Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/crime) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Newfront Cyber Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/cyber) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Newfront D&O Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Newfront Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Newfront General Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/general-liability) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Marsh McLennan Agency vs Newfront Surety Bonds](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-newfront/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/workers-compensation) — sibling comparison (other line, or other pair for this line)

# Marsh McLennan Agency vs Newfront: How Do They Compare for Workers’ Compensation Insurance?

Newfront’s cited claim says: “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.” Its recorded scope says: “Optimized Risk Financing section.” Marsh McLennan Agency’s selected claim says: “The cited product page describes workers' compensation as a business coverage option, alongside risk-management support focused on safety and prevention. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction.” Its recorded scope says: “workers compensation marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.” These records address different subjects and do not establish a like-for-like comparison, so this route remains on evidence hold.

## How to Use the Marsh McLennan Agency vs Newfront Workers’ Compensation Insurance Comparison

Use this comparison to evaluate Marsh McLennan Agency 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.

## Marsh McLennan Agency vs Newfront Workers’ Compensation Insurance Summary

Newfront’s cited claim says: “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.” Its recorded scope says: “Optimized Risk Financing section.” Marsh McLennan Agency’s selected claim says: “The cited product page describes workers' compensation as a business coverage option, alongside risk-management support focused on safety and prevention. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction.” Its recorded scope says: “workers compensation marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.” The selected scopes limit each statement to its cited workers’ compensation material; the evidence does not establish a shared comparison dimension, so this route remains on evidence hold. [8](https://www.newfront.com/workers-compensation "Worker's Compensation") [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA")

## What Is Marsh McLennan Agency?

Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. [1](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [2](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions")

[Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency)

## What Is Newfront?

Newfront suits growing and enterprise businesses seeking specialist insurance and benefits teams plus Navigator policy tools; small firms wanting an instant direct quote should compare online carriers. Its Partner Management tool is included in client service agreements. [4](https://www.newfront.com/business-insurance "Business Insurance") [5](https://www.newfront.com/total-rewards "Employee Benefits") [6](https://www.newfront.com/navigator "Newfront Navigator") [7](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 can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [9](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [10](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [11](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [12](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources")

## What Are the Key Differences Between Marsh McLennan Agency and Newfront Workers’ Compensation Insurance?

### Risk-financing structures and safety support answer different questions

Newfront’s selected claim lists guaranteed-cost and retrospectively rated programs, large deductibles, and alternative collateral, explaining that these structures affect how much risk a client retains or transfers. Its scope points to the Optimized Risk Financing section. Marsh McLennan Agency’s selected claim and source locator describe workers’ compensation with safety and prevention support, not a matching financing structure. [8](https://www.newfront.com/workers-compensation "Worker's Compensation") [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA")

### Evidence boundary for this pair

Newfront’s claim addresses risk financing; the cited MMA overview addresses workplace safety and prevention. The latter does not establish MMA’s available deductibles, collateral arrangements, or retrospectively rated programs, and silence cannot establish that such options are unavailable. Because no equivalent financing or account-service detail appears on both sides, this pair is explicitly held. Reopen with a direct MMA workers’ compensation source describing financing structures at a comparable scope, or with matching risk-service details for both providers. [8](https://www.newfront.com/workers-compensation "Worker's Compensation") [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA")

## What Should You Confirm in Marsh McLennan Agency and Newfront Workers’ Compensation Insurance Quotes?

- Which MMA workers’ compensation source describes financing structures or retained-risk options? [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA")
- Which Newfront structure is actually available for the buyer’s program, subject to underwriting and proposal terms? [8](https://www.newfront.com/workers-compensation "Worker's Compensation")

## Marsh McLennan Agency vs Newfront Workers’ Compensation Compared

| Criteria | Marsh McLennan Agency workers compensation (official overview) | Newfront Workers' Compensation |
| --- | --- | --- |
| Role in This Line | Marsh McLennan Agency describes arranging workers compensation for the audience stated on the cited product page. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | Newfront brokers workers' compensation programs and provides claims advocacy and risk-control services; it does not underwrite the policy itself. [8](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: Workers' compensation page Our Approach section..) |
| Issuing Insurer | Confirm in your quote. | The reviewed workers' compensation page does not name an issuing insurer; the carrier depends on the specific program placed for each client. [8](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Not publicly disclosed; scope: Page as read on 2026-09-23..) |
| Who It’s For | Businesses seeking commercial insurance and risk-management support; exact state and class eligibility is placement-specific. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | Confirm in your quote. |
| Coverage Features | The cited product page describes workers' compensation as a business coverage option, alongside risk-management support focused on safety and prevention. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | 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. [8](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: Optimized Risk Financing section..) |
| Limits and Retentions | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) | 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. [8](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Not publicly disclosed; scope: Optimized Risk Financing section, no schedule of amounts..) |
| Risk Services | Confirm in your quote. | 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. [8](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. [8](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: Technology-Based Resources section..) |
| How to Apply | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. [3](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | 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. [8](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: Page call-to-action and Leadership section..) |
| Claims Support | Confirm in your quote. | 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. [8](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: Claims Advocacy section..) |

## Related Pages for Marsh McLennan Agency vs Newfront

- [Marsh McLennan Agency vs Newfront](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront): all coverage lines, business roles, service and claims.
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered.
- [Marsh McLennan Agency vs Newfront Cargo and Transit Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/cargo-transit)
- [Marsh McLennan Agency vs Newfront Commercial Auto Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/commercial-auto)
- [Marsh McLennan Agency vs Newfront Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/commercial-property)
- [Marsh McLennan Agency vs Newfront Crime Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/crime)
- [Marsh McLennan Agency vs Newfront Cyber Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/cyber)
- [Marsh McLennan Agency vs Newfront D&O Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/directors-officers)
- [Marsh McLennan Agency vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/employment-practices)
- [Marsh McLennan Agency vs Newfront Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/fiduciary)
- [Marsh McLennan Agency vs Newfront General Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/general-liability)
- [Marsh McLennan Agency vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/professional-errors-omissions)
- [Marsh McLennan Agency vs Newfront Surety Bonds](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/surety-bonds)
- [AIG vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/workers-compensation)
- [AIG vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-newfront/workers-compensation)
- [Alliance Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/workers-compensation)
- [Alliance Risk vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/workers-compensation)
- [Amelia Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/workers-compensation)
- [Amelia Risk vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/workers-compensation)

## Sources for Marsh McLennan Agency vs Newfront

### Sources About Marsh McLennan Agency

1. [Who We Are](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role.. Accessed 2026-09-29.
2. [Small Business Insurance Solutions](https://www.marshmma.com/us/solutions/small-business.html). Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted.. Accessed 2026-09-29.
3. [Business Insurance | MMA](https://www.marshmma.com/us/services/business-insurance.html). Marsh McLennan Agency; Workers' compensation is named among business coverage options; risk services address safety and prevention.. Accessed 2026-09-30.

### Sources About Newfront

4. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
5. [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.
6. [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.
7. [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.
8. [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.

### Sources for the Workers’ Compensation Insurance Guide

9. [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.
10. [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.
11. [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.
12. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.

Updated 2026-10-01. 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.

## Marsh McLennan Agency Review Scores for 2026

Review Score: 8.2 / 10 from 2 rated sources, equally weighted.

There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.

- Trustpilot: TrustScore 3.2 (out of 5); 1 reviews. Trustpilot profile for marshmma.com, MMA's own domain. Unclaimed; MMA has not invited reviews. Period: checked 2026-09-29. Checked 2026-09-29. [marshmma.com Trustpilot profile](https://www.trustpilot.com/review/marshmma.com)
- Trustpilot: TrustScore (Marsh brand) 1.3 (out of 5); 115 reviews. Trustpilot page for marsh.com, the global Marsh brand (mostly individual and non-US customers). This is a different entity from MMA. Period: checked 2026-09-29. Checked 2026-09-29. [Marsh Reviews](https://www.trustpilot.com/review/www.marsh.com)
- BBB: BBB business grade A. BBB San Diego-area profile for Marsh & McLennan Agency LLC (accredited). MMA has separate BBB profiles per office; Dayton and Schaumburg both show A+. Checked 2026-09-29. [Marsh & McLennan Agency LLC (San Diego) BBB](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103)
- BBB: Complaints 4. Same San Diego-area profile; zero customer reviews. No client-count denominator. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints); [Marsh & McLennan Agency LLC — BBB Reviews](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/marsh-mclennan-agency/reviews).

## Newfront Review Scores for 2026

Review Score: 10.0 / 10 from 1 rated source, equally weighted.

Newfront has too little firmwide customer feedback for a reliable review verdict. An individual agent’s BBB grade does not establish the wider company’s service quality.

- BBB: BBB grade A (BBB letter grade). BBB profile for Ryan Tice | Newfront Insurance at a San Francisco address. Individual-producer/local listing, not Newfront Insurance Services company-wide. BBB profile displays A grade and says not BBB Accredited; grade is not customer stars. Period: File opened 2023-12-22; accessed 2026-09-25. Checked 2026-09-25. [Ryan Tice | Newfront Insurance | BBB](https://www.bbb.org/us/ca/san-francisco/profile/insurance-agency/ryan-tice---newfront-insurance-1116-955130)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/newfront/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/marsh-mclennan-agency-vs-newfront/workers-compensation.md)
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- [Public MCP server](https://spot.insure/mcp)
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