Newfront vs 
Pie Insurance Workers’ Compensation Insurance
Pie underwrites workers' compensation itself through an AM Best-rated carrier group; Newfront brokers the line and places it with outside insurers.
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. 1,2,3,4
What Is Pie Insurance?
Pie Insurance sells and administers small-business commercial insurance, with affiliated carriers writing its workers’ compensation program and outside carrier partners supporting selected other products. Businesses can start a workers’ compensation quote online or use an agent, then manage documents, certificates, billing, audits and claim reporting through Pie’s service channels. 6,7,8
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
Key Differences in 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. 5 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. 9
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. 7 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. 5
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. 7 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. 5Company-reported. Page call-to-action and Leadership section.
What to Confirm in 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. 7
- Ask Newfront which risk-financing structure and carrier it would place for your account, since its page describes program types without naming an insurer. 5
- Verify Pie's advertised savings of up to 30% against your own prior premium rather than a general marketing figure. 7
- 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. 5
Offering Details
Newfront vs Pie Insurance Workers’ Compensation Insurance: documented features by provider
| Criteria | Newfront Workers' Compensation | Pie Workers' Comp Insurance |
|---|---|---|
| Role in This Line | Newfront brokers workers' compensation programs and provides claims advocacy and risk-control services; it does not underwrite the policy itself. 5Company-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. 7Company-reported. Workers' Comp product page as read on 2026-09-23; restates the provider record's verified insurer-route fact. |
| Issuing Insurer | The reviewed workers' compensation page does not name an issuing insurer; the carrier depends on the specific program placed for each client. 5Not publicly disclosed. Page as read on 2026-09-23. | AM Best's disclosure report says Pie completed acquiring Pie Casualty Insurance Company in September 2021 and The Pie Insurance Company (formerly The American Insurance Company) in January 2023, and that beginning January 1, 2024, Pie writes 100% of its workers' compensation business through these two entities, part of the pooled Rating Unit 018981 Pie Insurance Group. AM Best affirmed Pie Casualty Insurance Company's Financial Strength Rating at A- (Excellent) and Long-Term Issuer Credit Rating at a- (Excellent), both with a stable outlook, effective April 24, 2026. 9Verified. AM Best rating disclosure report (AMB #012272, NAIC #10997) for Pie Casualty Insurance Company; a rating is an opinion of insurer financial strength, not a guarantee a claim will be paid, and reflects the pooled group rather than a standalone assessment of either entity. |
| Who It’s For | Not described in the reviewed sources. | Pie says workers' compensation is legally required in nearly all states for businesses with few exceptions, and markets its program to small businesses. 7Company-reported. Workers' Comp product page as read on 2026-09-23. |
| 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. 5Company-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. 7Company-reported. Workers' Comp product page as read on 2026-09-23; actual covered/excluded scenarios depend on the issued policy and state law. |
| Limits and Retentions | 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. 5Not publicly disclosed. Optimized Risk Financing section, no schedule of amounts. | Not described in the reviewed sources. |
| 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. 5Company-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. 5Company-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. 7Company-reported. Workers' Comp product page FAQ as read on 2026-09-23. |
| 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. 5Company-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. 7Company-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. |
| Claims Support | 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. 5Company-reported. Claims Advocacy section. | Not described in the reviewed sources. |
Full Comparison
More Newfront vs Pie Insurance Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
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.
- 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.
Pie Insurance
- Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
- Workers' Comp Insurance for Small Businesses. Pie Insurance; How do I get a workers' comp quote?; What is workers' comp insurance?; What does workers' compensation insurance cover?; Why choose Pie for workers' compensation insurance? Affordable, Simple, Trusted (AM Best A- Excellent); FAQs: how workers' comp works, what's covered/not covered, class codes, NCCI. Accessed 2026-09-23.
- Online Account Tutorial. Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
- AM Best Rating Disclosure Report — Pie Casualty Insurance Company. AM Best Rating Services, Inc.; Page 1: Financial Strength Rating A- (Excellent), Affiliation Code p (Pooled Rating), Financial Size Category VIII, Outlook Stable, Action Affirmed, Effective Date April 24, 2026; Long-Term Issuer Credit Rating a- (Excellent), same outlook and effective date; page 14 (Additional Regulatory Disclosures, Business Profile: Limited): Rating Unit 018981 Pie Insurance Group; Pie completed the acquisition of Pie Casualty Insurance Company (PCIC) in September 2021 and of The American Insurance Company, renamed The Pie Insurance Company (TPIC), on January 1, 2023; beginning January 1, 2024 Pie started writing 100% of its workers' compensation business through these insurance entities; Pie launched workers' compensation in March 2018 and continues to be a workers' compensation writer in 40 states and the District of Columbia. 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.
