What Is Newfront?
Newfront suits growing and enterprise businesses seeking specialist insurance and benefits teams plus Navigator policy tools; small firms wanting an instant direct quote should compare online carriers. Its Partner Management tool is included in client service agreements. 1,2,3,4
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 6,7
What Is Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 9,10,11,12
Key Differences in Workers’ Compensation Insurance
Funding Structure and Retained Risk
Newfront describes guaranteed-cost and retrospective programs as well as large-deductible and alternative-collateral structures, allowing clients to choose how much workers’ compensation risk to retain. Zurich’s cited benefit description names medical expenses and wage replacement, while Newfront’s selected claim addresses funding structures. If your loss history or size makes retained risk relevant, ask Newfront to model collateral and settlement exposure and ask Zurich which structures its underwriter would consider for the same payroll and class mix. 5 8
Claims Advocacy and Decision Authority
Newfront says its advocates advise on third-party administrator and adjuster selection, reserves, and settlement authority. Zurich describes carrier claim review, investigation, and benefit-eligibility decisions. These are different roles; ask Newfront what authority stays with the insurer and ask Zurich how a policyholder can raise a disputed decision. 5 8
What to Confirm in Workers’ Compensation Insurance Quotes
Newfront and Zurich U.S. Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Newfront Review Score
Review Score
1 rated source
Newfront has too little firmwide customer feedback for a reliable review verdict. An individual agent’s BBB grade does not establish the wider company’s service quality.[6]
Read Newfront reviewsZurich U.S. Review Score
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsNewfront vs Zurich U.S. Workers’ Compensation Insurance Compared
Newfront vs Zurich U.S.: Workers’ Compensation Insurance: documented features by provider
| Criteria | Newfront Workers' Compensation | Zurich Workers’ Compensation |
|---|---|---|
| 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. | Confirm in your quote. |
| 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. | Confirm in your quote. |
| 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. | Zurich describes workers’ compensation benefits for employees injured or made ill at work, including eligible medical expenses and wage replacement. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; workers compensation; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. | Confirm in your quote. |
| 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. | Zurich describes Workplace Injury Triage and Narcotic Evaluation as medical-management services supporting treatment and billing review. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; workers compensation; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. | Confirm in your quote. |
| 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. | Zurich links WC customers to a dedicated claim-reporting process and explains that the carrier reviews, investigates and decides benefit eligibility. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; workers compensation; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
Related Pages for Newfront vs Zurich U.S. Workers’ Compensation
Workers’ Compensation Insurance Pages for Newfront and Zurich U.S.
Other Coverage Lines Compared for Newfront vs Zurich U.S.
Other Workers’ Compensation Insurance Provider Comparisons
Sources for Newfront vs Zurich U.S. Workers’ Compensation Insurance
Sources About 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.
Sources About Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Workers’ Compensation Insurance | Zurich Insurance. Zurich U.S.; Medical management, claims reporting and worker benefits. Accessed 2026-09-28.
Sources for the 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.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
