Newfront vs Travelers Workers’ Compensation Insurance

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.

Travelers underwrites workers compensation insurance directly as a standalone line, separate from a business owner's policy, and says it also provides risk control and claim services alongside the policy rather than selling coverage alone. ⁹Company-reported. Workers-compensation product page, as read on 2026-09-23.

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.

A video transcript on the workers-compensation page is copyrighted to The Travelers Indemnity Company, which is consistent with that entity issuing workers compensation policies, though the page does not state that every workers-comp policy is issued by that entity rather than an affiliate. ⁹Company-reported. Video transcript credit on the workers-compensation page; not a policy-level disclosure of the issuing entity for a specific quote.

Not described in the reviewed sources.

Travelers says nearly every state requires most businesses to carry workers compensation insurance, but that in monopolistic states employers must buy coverage from a state-run fund, or may self-insure using a third-party administrator, so Travelers workers compensation is not purchasable there through Travelers itself. ⁹Company-reported. Workers-compensation FAQ answer, 'Who needs workers compensation insurance?'; the page does not list which states are monopolistic.

Travelers markets workers compensation to both large, multi-state employers and small businesses, and says it maintains state-specific requirement information because coverage terms and required forms vary by jurisdiction. ⁹Company-reported. Large-business and small-business sections and the 'Workers compensation laws vary by state' section.

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.

Travelers says the policy covers employees' medical expenses and lost wages for job-related injuries and diseases, includes employers liability coverage for related lawsuits not covered by workers-comp law, and that employers in monopolistic states may add employers liability separately as stop-gap coverage. ⁹Company-reported. Product overview and 'What does workers comp cover?' FAQ; full inclusions and exclusions depend on the policy as issued and the applicable state.

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.

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.

Travelers reports internal outcome and cost-containment statistics for its workers-comp claim and risk-control programs, including 70% of injured employees returning to work within 30 days, a 40% decline in opioid use it attributes to its Early Severity Predictor tool, and access to a network of 2.3 million medical providers. ⁹Company-reported. Workers-compensation page statistics, sourced to Travelers internal data; these are company-reported outcomes, not independently verified.

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.

Travelers directs buyers to contact a local Travelers agent to find a workers compensation policy, and separately notes pricing depends on business location, type of work, total payroll and claims history rather than a fixed rate. ⁹Company-reported. Workers-compensation FAQ answers 'How can I buy workers compensation insurance?' and 'What determines the cost of a workers compensation policy?'

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.