---
title: "Newfront vs Pie Insurance: Workers’ Compensation Insurance"
description: "Pie underwrites workers’ comp through its own A- rated carrier group; Newfront brokers the line and structures financing programs through outside insurers."
canonical: "https://spot.insure/compare/newfront-vs-pie-insurance/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "newfront-vs-pie-insurance"
provider-a: "newfront"
provider-b: "pie-insurance"
coverage-line: "workers-compensation"
---

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

## Agent Guide

**What this page is:** Focused comparison of Newfront and Pie Insurance 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 Newfront versus Pie Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Newfront vs Pie Insurance for Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, Newfront or Pie Insurance?
- What does Newfront or Pie Insurance publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: Newfront and Pie Insurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Newfront vs Pie Insurance](https://spot.insure/compare/newfront-vs-pie-insurance) — all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — how this coverage works
- [Newfront profile](https://spot.insure/insurance-providers/newfront) — provider profile
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile

# 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 issues its own A- rated policy; Newfront brokers and structures programs with outside insurers.

## Newfront vs Pie Insurance Workers’ Compensation Insurance Summary

Pie underwrites workers’ comp through its own A- rated carrier group; Newfront brokers the line and structures financing programs through outside insurers. [3](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [1](https://www.newfront.com/workers-compensation "Worker's Compensation")

## 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](https://www.newfront.com/workers-compensation "Worker's Compensation") 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](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company")

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](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company")

### 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") 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](https://www.newfront.com/workers-compensation "Worker's Compensation")

### 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") 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. [1](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")
- 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](https://www.newfront.com/workers-compensation "Worker's Compensation")
- Verify Pie's advertised savings of up to 30% against your own prior premium rather than a general marketing figure. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")
- 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](https://www.newfront.com/workers-compensation "Worker's Compensation")

## Newfront vs Pie Insurance Workers’ Compensation Insurance Compared

| 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. [1](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: 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. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: 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. [1](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: 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. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: 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. [1](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: 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. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: 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. [1](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. [1](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: 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. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: Workers' Comp product page FAQ as read on 2026-09-23..) |

## About Newfront and Pie Insurance and Workers’ Compensation Insurance

- [Newfront company profile](https://spot.insure/insurance-providers/newfront) · [Newfront customer reviews](https://spot.insure/insurance-providers/newfront/reviews)
- [Pie Insurance company profile](https://spot.insure/insurance-providers/pie-insurance) · [Pie Insurance customer reviews](https://spot.insure/insurance-providers/pie-insurance/reviews)
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation)

## Related Pages for Newfront vs Pie Insurance Workers’ Compensation

- [Newfront vs Pie Insurance](https://spot.insure/compare/newfront-vs-pie-insurance): 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.
- [Newfront Workers’ Compensation Insurance](https://spot.insure/insurance-providers/newfront/workers-compensation)
- [Pie Insurance Workers’ Compensation Insurance](https://spot.insure/insurance-providers/pie-insurance/workers-compensation)

## Sources for Newfront vs Pie Insurance Workers’ Compensation Insurance

### Sources About Newfront

1. [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 About Pie Insurance

2. [Workers' Comp Insurance for Small Businesses](https://www.pieinsurance.com/workers-comp). 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.
3. [AM Best Rating Disclosure Report — Pie Casualty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0). 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.

Updated 2026-09-25. 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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- [Markdown page](https://spot.insure/compare/newfront-vs-pie-insurance/workers-compensation.md)
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