---
title: "Newfront vs Travelers Workers’ Compensation Insurance"
description: "Travelers underwrites workers' compensation directly and reports outcome statistics; Newfront brokers a choice of risk-financing structures instead."
canonical: "https://spot.insure/compare/newfront-vs-travelers/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Newfront vs Travelers Workers’ Compensation Insurance

Travelers underwrites workers' compensation directly and reports outcome statistics; Newfront brokers a choice of risk-financing structures instead.

## Research Scope and Use

Use this comparison to evaluate Newfront and Travelers for Workers’ Compensation Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Travelers underwrites workers' compensation directly and reports return-to-work and opioid-reduction outcomes for its policyholders; Newfront instead brokers a choice among guaranteed cost, retro and large-deductible programs placed with outside insurers. [9](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [5](https://www.newfront.com/workers-compensation "Worker's Compensation")

## 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](https://www.newfront.com/business-insurance "Business Insurance") [2](https://www.newfront.com/total-rewards "Employee Benefits") [3](https://www.newfront.com/navigator "Newfront Navigator") [4](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront")

[Newfront profile](https://spot.insure/insurance-providers/newfront)

## What Is Travelers Insurance?

Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. [6](https://www.travelers.com/business-insurance/technology "Technology Insurance") [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [8](https://www.travelers.com/contact-us "Contact Us")

[Travelers profile](https://spot.insure/insurance-providers/travelers)

## 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](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [11](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [12](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information")

## Key Differences in Workers’ Compensation Insurance

### One Underwritten Policy vs. a Structured Program

Travelers underwrites workers' compensation directly as a standalone line. [9](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") 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. [5](https://www.newfront.com/workers-compensation "Worker's Compensation")

### 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. [9](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.newfront.com/workers-compensation "Worker's Compensation")

### Who Each Page Is Written For

Travelers markets to both large, multi-state employers and small businesses directly. [9](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") Newfront's page instead centers on structured program design and risk-control services rather than describing a particular employer size. [5](https://www.newfront.com/workers-compensation "Worker's Compensation")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask Newfront which carrier it would place your program with, since its page does not name an insurer. [5](https://www.newfront.com/workers-compensation "Worker's Compensation")
- 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. [9](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance")
- Ask Newfront for specific deductible or retention amounts for a large-deductible program, since its page does not publish figures. [5](https://www.newfront.com/workers-compensation "Worker's Compensation")
- Confirm whether your state is monopolistic, since Travelers cannot sell there and Newfront's page does not address monopolistic states. [9](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance")

## Offering Details

| Criteria | Newfront Workers' Compensation | Travelers 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. [5](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: 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. [9](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation product page, as read on 2026-09-23..) |
| Issuing Insurer | The reviewed workers' compensation page does not name an issuing insurer; the carrier depends on the specific program placed for each client. [5](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Not publicly disclosed; scope: 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. [9](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Video transcript credit on the workers-compensation page; not a policy-level disclosure of the issuing entity for a specific quote..) |
| Who It’s For | 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. [9](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation FAQ answer, 'Who needs workers compensation insurance?'; the page does not list which states are monopolistic..)<br><br>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. [9](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Large-business and small-business sections and the 'Workers compensation laws vary by state' section..) |
| 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. [5](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: 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. [9](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Product overview and 'What does workers comp cover?' FAQ; full inclusions and exclusions depend on the policy as issued and the applicable state..) |
| 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. [5](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Not publicly disclosed; scope: 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. [5](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. [5](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: 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. [9](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation page statistics, sourced to Travelers internal data; these are company-reported outcomes, not independently verified..) |
| 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. [5](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: 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. [9](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation FAQ answers 'How can I buy workers compensation insurance?' and 'What determines the cost of a workers compensation policy?'.) |
| 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. [5](https://www.newfront.com/workers-compensation "Worker's Compensation") (Evidence: Company-reported; scope: Claims Advocacy section..) | Not described in the reviewed sources. |

## Full Comparison

- [Newfront vs Travelers](https://spot.insure/compare/newfront-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers' compensation addresses medical care, rehabilitation and lost wages for employees with work-related injuries or illnesses.
- [Newfront vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/newfront-vs-travelers/cargo-transit)
- [Newfront vs Travelers Commercial Auto Insurance](https://spot.insure/compare/newfront-vs-travelers/commercial-auto)
- [Newfront vs Travelers Commercial Property Insurance](https://spot.insure/compare/newfront-vs-travelers/commercial-property)
- [Newfront vs Travelers Crime Insurance](https://spot.insure/compare/newfront-vs-travelers/crime)
- [Newfront vs Travelers Cyber Insurance](https://spot.insure/compare/newfront-vs-travelers/cyber)
- [Newfront vs Travelers D&O Insurance](https://spot.insure/compare/newfront-vs-travelers/directors-officers)
- [Newfront vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/newfront-vs-travelers/employment-practices)
- [Newfront vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/newfront-vs-travelers/equipment-breakdown)
- [Newfront vs Travelers Fidelity Bonds](https://spot.insure/compare/newfront-vs-travelers/fidelity-bonds)
- [Newfront vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/newfront-vs-travelers/fiduciary)
- [Newfront vs Travelers General Liability Insurance](https://spot.insure/compare/newfront-vs-travelers/general-liability)
- [Newfront vs Travelers Management Liability Insurance](https://spot.insure/compare/newfront-vs-travelers/management-liability)
- [Newfront vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/newfront-vs-travelers/professional-errors-omissions)
- [Newfront vs Travelers Surety Bonds](https://spot.insure/compare/newfront-vs-travelers/surety-bonds)
- [Newfront vs Travelers Tech E&O Insurance](https://spot.insure/compare/newfront-vs-travelers/technology-errors-omissions)
- [Newfront vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/newfront-vs-travelers/umbrella-excess)
- [Alliance Risk vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/workers-compensation)
- [Alliance Risk vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/workers-compensation)
- [Amelia Risk vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/workers-compensation)
- [Amelia Risk vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/workers-compensation)
- [Chubb vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-newfront/workers-compensation)
- [Chubb vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-travelers/workers-compensation)

## Sources

### Newfront

1. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
2. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
3. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
4. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
5. [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.

### Travelers

6. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
7. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
8. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
9. [Workers Compensation Insurance](https://www.travelers.com/business-insurance/workers-compensation). Travelers; What is workers compensation insurance?; Who needs workers compensation insurance?; What does workers comp cover?; Is all workers compensation insurance the same?; Trends in workers compensation legislation; Copyright 2018 The Travelers Indemnity Company video transcript. Accessed 2026-09-23.

### Workers’ Compensation Insurance Guide

10. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-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.
11. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). 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.
12. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). 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.

Updated 2026-09-23. 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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