Newfront vs 
USI Insurance Services Workers’ Compensation Insurance
Newfront structures a choice of workers' compensation financing programs; USI instead organizes the line by client segment across three practices.
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. 1,2,3,4
What Is USI Insurance Services?
USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. 6,7,8
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. 12,13,14
Key Differences in Workers’ Compensation Insurance
Financing Choice vs. Client Segment
Newfront structures the risk-financing arrangement itself, letting a client choose among guaranteed cost, retro, large-deductible and alternative-collateral programs. 5 USI instead organizes workers' compensation by client segment, with separate pages for its general property & casualty practice, private equity portfolio companies and healthcare facilities. 9 10 11
Who Each Firm Serves
USI describes distinct client segments across its three pages:
USI's property & casualty team serves middle-market clients broadly; its Private Equity practice separately handles workers' compensation for portfolio companies of financial and strategic buyers, and its Healthcare practice covers hospitals, physician groups and related facilities. 9,10,11Company-reported. Company description of client segments for each practice.
Newfront's page does not distinguish between employer segments the same way, describing its risk-financing structures as available broadly rather than for a named client type. 5
How You Reach Each Firm
Newfront asks a prospective client to request a consultation, naming Frannie Epps and Scott Rhymes as the practice leads. 5 USI instead directs inquiries to a shared property & casualty inbox or a local office, without naming an individual contact for workers' compensation. 9
What to Confirm in Workers’ Compensation Insurance Quotes
- Ask Newfront for specific deductible or retention figures, since its page describes program types without publishing amounts. 5
- Confirm which of USI's three practices would service your account, since the reviewed pages describe them as distinct teams rather than a single workers' compensation desk. 9
- Ask both firms to name the insurer that would issue your policy; neither reviewed page discloses one. 5 9
- If you are not a private equity portfolio company, ask USI whether the risk-control approach behind its $1.2 million case study extends to your segment. 10
Offering Details
Newfront vs USI Insurance Services Workers’ Compensation Insurance: documented features by provider
| Criteria | Newfront Workers' Compensation | USI Workers' Compensation Brokerage |
|---|---|---|
| Role in This Line | 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. | USI is a broker for workers' compensation insurance. It advises on and places coverage across its property & casualty, private equity and healthcare practices rather than underwriting the risk itself. 9,10,11Company-reported. Property & Casualty, Private Equity and Healthcare practice pages. |
| Issuing Insurer | 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. | None of the reviewed pages names the insurer USI uses for workers' compensation placements. 9Not publicly disclosed. Pages as read on 2026-09-23. |
| Who It’s For | Not described in the reviewed sources. | USI's property & casualty team serves middle-market clients broadly; its Private Equity practice separately handles workers' compensation for portfolio companies of financial and strategic buyers, and its Healthcare practice covers hospitals, physician groups and related facilities. 9,10,11Company-reported. Company description of client segments for each practice. |
| 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. 5Company-reported. Optimized Risk Financing section. | USI lists Workers' Compensation among the risk exposures its property & casualty team advises on, and separately among the specialty coverages its Healthcare practice places. 9,11Company-reported. Catalogue listings; actual insuring agreements and state-specific requirements are set by the issued policy. |
| 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. 5Not publicly disclosed. Optimized Risk Financing section, no schedule of amounts. | None of the reviewed pages publishes workers' compensation limit or experience-modifier target figures beyond the outcome of one named case study. 9Not publicly disclosed. Pages 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. 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. | USI's Private Equity Team cites a case study where it analyzed a manufacturing affiliate's workers' compensation claim trends, ran ergonomics, air-quality and sound-level studies, and helped implement new safety procedures within 90 days; USI says the combined insurance-cost and productivity improvements totaled $1.2 million in EBITDA impact. 10Company-reported. Single named case study on the Private Equity page; company-reported outcome, not independently verified, and not necessarily representative of every account. |
| 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. 5Company-reported. Page call-to-action and Leadership section. | USI directs workers' compensation inquiries to pcinquiries@usi.com or a local USI office. 9,10,11Company-reported. Contact instructions on the Property & Casualty, Private Equity and Healthcare pages. |
| 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. 5Company-reported. Claims Advocacy section. | Not described in the reviewed sources. |
Full Comparison
More Newfront vs USI Insurance Services Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
Newfront
- Business Insurance. Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
- Employee Benefits. Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
- WTW Completes Acquisition Of Newfront. WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
- Worker's 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.
USI Insurance Services
- The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
- Technology Insurance. USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- P&C Insurance and Risk Consulting. USI Insurance Services; risk management and insurance advice on broad risk exposures such as Workers' Compensation...; casualty analysts...claim advocates...risk control specialists... Accessed 2026-09-23.
- Private Equity. USI Insurance Services; CASE STUDY: USI's Workers' Compensation Claim Analysis and Safety Improvements Save Manufacturer $1.2 Million. Accessed 2026-09-23.
- Healthcare. USI Insurance Services; USI's Healthcare Practice offers specialty coverages...including...Workers' Compensation Insurance... Accessed 2026-09-23.
Workers’ Compensation Insurance Guide
- Workers’ 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.
- Small Business Insurance. 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.
- DWC employer information. 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.
