Newfront vs 
The Hartford: How Do They Compare for Workers’ Compensation Insurance?
Claims advocates and a safety team come with Newfront, a broker that begins with a consultation; The Hartford says customers with under $300,000 in payroll average $81 a month and offers pay-as-you-go billing.
The Hartford issues workers’ comp directly and provides a preferred medical network and claim-status portal; Newfront brokers structured programs through outside insurers. 2,1
What Are the Key Differences Between Newfront and The Hartford Workers’ Compensation Insurance?
Who Underwrites the Policy
Newfront brokers workers' compensation programs and provides claims advocacy and risk-control services, without underwriting the policy itself. 1 The Hartford instead gives employees medical, wage and other benefits directly as the issuing insurer. 2
Choose The Hartford if you want a direct policy with a medical network and claim portal; choose Newfront if you need alternative risk financing and claims advocacy. 2
Medical Network vs. Claims Advocacy
The Hartford ties a Preferred Medical Provider Network of over 1 million providers and a prescription drug program to its own policy, alongside a Nursed Back to Health program with nurse case managers. 2 Newfront instead describes what its claims advocates do on a client's behalf:
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. 1Company-reported. Claims Advocacy section.
Billing and Self-Service Tools
The Hartford offers pay-as-you-go billing based on actual payroll and a My Workers' Comp Connection portal where injured employees can check claim status and sign up for direct deposit. 2 Newfront instead describes broker-provided technology — claims analytics, an online safety and HR learning system, and an OSHA recordkeeping tool — rather than a policyholder billing or claims portal of its own. 1
What Should You Confirm in Newfront and The Hartford Workers’ Compensation Insurance Quotes?
- Ask The Hartford whether your industry is one of the ones it names — gyms, manufacturing, medical offices, restaurants or retailers — or whether coverage extends the same way to yours. 2
- Ask Newfront which carrier it would place your workers' compensation program with, since its page does not name an insurer. 1
- Confirm whether your state is monopolistic; The Hartford's page notes the category exists without naming states, and Newfront's page does not address it. 2
- Ask Newfront for specific deductible or retention figures for a large-deductible program, since its page does not publish amounts the way The Hartford publishes an average monthly cost. 1
Newfront vs The Hartford Workers’ Compensation Insurance Compared
Newfront vs The Hartford: Workers’ Compensation Insurance: documented features by provider
| Criteria | Newfront Workers' Compensation | The Hartford Workers' Compensation 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. 1Company-reported. Workers' compensation page Our Approach section. | The Hartford's workers' compensation insurance gives employees medical, wage and other benefits after a work-related injury or illness; most states require this coverage if a business has employees. 2Company-reported. Workers' compensation product page as read 2026-09-23. |
| 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. | The Hartford says policyholders get access to a Preferred Medical Provider Network of over 1 million providers, a prescription drug program covering more than 65,000 U.S. pharmacies (usually no out-of-pocket cost, plus mail order), a Needle Stick Reimbursement Program, and a Nursed Back to Health Program with nurse case managers coordinating care. 2Company-reported. Workers' compensation product page as read 2026-09-23. The Hartford offers pay-as-you-go billing based on actual payroll rather than an estimate, and a My Workers' Comp Connection portal where injured employees can check claim status, review payments, sign up for direct deposit, and get a medical services card. 2Company-reported. Workers' compensation product page as read 2026-09-23. |
