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

Newfront, a broker, works through a consultation and lets a client choose how much risk to keep; Pie Insurance advertises a roughly three-minute online quote on workers' comp it underwrites itself.

Pie underwrites workers’ comp through its own A- rated carrier group; Newfront brokers the line and structures financing programs through outside insurers. ^3,¹

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

Who Underwrites the Policy

Newfront brokers workers' compensation programs and provides claims advocacy and risk-control services, but does not underwrite the policy itself. ¹ Pie instead underwrites the line through its own carrier group, with a Financial Strength Rating AM Best independently affirmed at A- (Excellent) for that entity. ³

Choose Pie if you want a policy issued by its A- rated carrier group; choose Newfront if you need help choosing a risk-financing structure. ³

The Kind of Services Each Offers

Pie's services are transactional: it can issue a certificate of insurance some industries require before work begins, and it runs a post-term premium audit comparing estimated to actual payroll. ² Newfront instead describes standing consultative teams — an Occupational Health & Safety group focused on loss control and OSHA compliance, and a claims advocacy team running its "Circle of Care" recovery program. ¹

How You Get a Quote

Pie says an online quote needs only the applicant's name, business name, payroll and class code, advertising a roughly three-minute process. ² Newfront instead requires a consultation:

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. ¹Company-reported. Page call-to-action and Leadership section.

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

Ask Pie whether your payroll and class code were verified against the illustrative online quote, since the premium audit compares estimates to actuals after the fact. ²
Ask Newfront which risk-financing structure and carrier it would place for your account, since its page describes program types without naming an insurer. ¹
Verify Pie's advertised savings of up to 30% against your own prior premium rather than a general marketing figure. ²
Ask whether Newfront's Occupational Health & Safety and claims-advocacy services are available at your account size, since Pie's reviewed page does not describe comparable ongoing risk services. ¹

Newfront vs Pie Insurance Workers’ Compensation Insurance Compared

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

Criteria	Newfront Workers' Compensation	Pie Workers' Comp Insurance
How to Apply	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. ¹Company-reported. Page call-to-action and Leadership section.	Pie says getting a quote online requires the applicant's name, business name, annual payroll amount, and class-code information, with a tool available to help identify the correct class code, and advertises a roughly three-minute online quote and up to 30% savings. ²Company-reported. Workers' Comp product page as read on 2026-09-23; quote time and savings figures are company marketing claims, not independently verified, and individual results vary.
Coverage Features	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. ¹Company-reported. Optimized Risk Financing section.	Pie describes workers' compensation as a state-mandated program providing medical, disability (typically two-thirds wage replacement), and death benefits for employees injured or killed on the job, while excluding injuries suffered off the job, self-inflicted injuries, policy violations, and injuries from committing a crime. ²Company-reported. Workers' Comp product page as read on 2026-09-23; actual covered/excluded scenarios depend on the issued policy and state law.
Role in This Line	Newfront brokers workers' compensation programs and provides claims advocacy and risk-control services; it does not underwrite the policy itself. ¹Company-reported. Workers' compensation page Our Approach section.	Pie underwrites workers' compensation itself through its own carrier group, rather than only brokering the line to outside insurers as it does for several of its other small-business products. ²Company-reported. Workers' Comp product page as read on 2026-09-23; restates the provider record's verified insurer-route fact.
Risk Services	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. ¹Company-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. ¹Company-reported. Technology-Based Resources section.	Pie says it can issue a Certificate of Insurance to show proof of workers' comp coverage, which it notes some industries, such as construction, require before work can begin, and that it performs a post-term premium audit comparing estimated to actual payroll. ²Company-reported. Workers' Comp product page FAQ as read on 2026-09-23.