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

Newfront, a broker, lets a client choose how much risk to keep and adds claims advocates; Travelers underwrites workers' comp itself, sends buyers to a local agent, and reports 70% of injured employees back at work within 30 days.

Travelers underwrites workers’ comp directly and reports return-to-work and opioid-reduction results; Newfront brokers guaranteed-cost, retro and large-deductible programs. ^2,¹

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

One Underwritten Policy vs. a Structured Program

Travelers underwrites workers' compensation directly as a standalone line. ² Newfront instead brokers the placement and structures how the risk is financed, offering guaranteed cost, retro, large-deductible and alternative-collateral programs rather than one fixed product. ¹

Choose Travelers if you want one direct policy with reported claims outcomes; choose Newfront if you want to compare risk-financing structures. ²

What the Base Policy Covers

Travelers describes what its policy covers beyond the basic medical and wage-replacement benefits:

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. ²Company-reported. Product overview and 'What does workers comp cover?' FAQ; full inclusions and exclusions depend on the policy as issued and the applicable state.

Newfront's page does not describe a fixed set of covered benefits in the same way, since the insuring agreement itself comes from whichever carrier a program is placed with. ¹

Who Each Page Is Written For

Travelers markets to both large, multi-state employers and small businesses directly. ² Newfront's page instead centers on structured program design and risk-control services rather than describing a particular employer size. ¹

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

Ask Newfront which carrier it would place your program with, since its page does not name an insurer. ¹
Ask Travelers for the exact scope of its employers liability and stop-gap coverage as issued, since the reviewed page describes them at a general level. ²
Ask Newfront for specific deductible or retention amounts for a large-deductible program, since its page does not publish figures. ¹
Confirm whether your state is monopolistic, since Travelers cannot sell there and Newfront's page does not address monopolistic states. ²

Newfront vs Travelers Workers’ Compensation Insurance Compared

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

Criteria	Newfront Workers' Compensation	Travelers Workers Compensation 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.	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. ²Company-reported. Workers-compensation FAQ answers 'How can I buy workers compensation insurance?' and 'What determines the cost of a workers compensation policy?'
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.	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. ²Company-reported. Product overview and 'What does workers comp cover?' FAQ; full inclusions and exclusions depend on the policy as issued and the applicable state.
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.	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. ²Company-reported. Workers-compensation product page, as read on 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.	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. ²Company-reported. Workers-compensation page statistics, sourced to Travelers internal data; these are company-reported outcomes, not independently verified.