--- title: "Berkshire Hathaway Specialty Insurance vs Newfront: Umbrella and Excess Liability Insurance" description: "Berkshire Hathaway Specialty Insurance’s U.S. guide lists lead umbrella, follow-form excess, and retained-limit forms with $10 million capacity for selected risks (U.S. casualty appetite guide; not an account quote); Newfront says its Casualty practice places umbrella/excess through carriers and negotiates terms." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/umbrella-excess" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "berkshire-hathaway-specialty-insurance-vs-newfront" provider-a: "berkshire-hathaway-specialty-insurance" provider-b: "newfront" coverage-line: "umbrella-excess" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/umbrella-excess) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Newfront for Umbrella and Excess Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Umbrella and Excess Liability Insurance questions about Berkshire Hathaway Specialty Insurance versus Newfront. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Berkshire Hathaway Specialty Insurance vs Newfront for Umbrella and Excess Liability Insurance: how do they differ? - Which is better for Umbrella and Excess Liability Insurance, Berkshire Hathaway Specialty Insurance or Newfront? - What does Berkshire Hathaway Specialty Insurance or Newfront publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Umbrella and Excess Liability Insurance from Berkshire Hathaway Specialty Insurance or Newfront? **Key facts:** - Line: Umbrella and Excess Liability Insurance. Providers: Berkshire Hathaway Specialty Insurance and Newfront. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [Berkshire Hathaway Specialty Insurance vs Newfront](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront) — parent: all coverage lines for this pair - [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — coverage explainer for this line - [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence) - [Newfront profile](https://spot.insure/insurance-providers/newfront) — provider profile (evidence) - [Berkshire Hathaway Specialty Insurance vs Newfront Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Newfront Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/commercial-property) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Newfront Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/crime) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Newfront Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/cyber) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Newfront D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/directors-officers) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/employment-practices) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Newfront Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/fiduciary) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Newfront General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/general-liability) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Newfront Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/product-liability) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Newfront Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/representations-warranties) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Newfront Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/surety-bonds) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Newfront Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [AIG vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-newfront/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/umbrella-excess) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs Newfront: How Do They Compare for Umbrella and Excess Liability Insurance? Berkshire Hathaway Specialty Insurance’s U.S. guide lists lead umbrella, follow-form excess, and retained-limit forms with $10 million capacity for selected risks (U.S. casualty appetite guide; not an account quote); Newfront says its Casualty practice places umbrella/excess through carriers and negotiates terms. ## How to Use the Berkshire Hathaway Specialty Insurance vs Newfront Umbrella and Excess Liability Insurance Comparison Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Newfront for Umbrella and Excess Liability 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. ## Berkshire Hathaway Specialty Insurance vs Newfront Umbrella and Excess Liability Insurance Summary Berkshire Hathaway Specialty Insurance’s U.S. casualty appetite guide lists lead umbrella, follow-form excess, and retained-limit forms with $10 million capacity for selected risks (U.S. casualty appetite guide; not an account quote). Newfront says its Casualty practice places umbrella/excess coverage through carriers and negotiates placement structure and terms on clients’ behalf. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [11](https://www.newfront.com/casualty-insurance "Casualty") ## What Is Berkshire Hathaway Specialty Insurance? BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [3](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [4](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch") [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) ## 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. [7](https://www.newfront.com/business-insurance "Business Insurance") [8](https://www.newfront.com/total-rewards "Employee Benefits") [9](https://www.newfront.com/navigator "Newfront Navigator") [10](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 Umbrella and Excess Liability Insurance? Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [12](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [13](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [14](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [15](https://www.coverdash.com/coverage "Coverage Hub") [16](https://kinro.com/products "Products") ## What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Newfront Umbrella and Excess Liability Insurance? ### Marketed Product and Broker Placement Berkshire Hathaway Specialty Insurance markets lead umbrella and excess casualty as a U.S. product line and its guide names several structures. Newfront describes its Casualty practice as placing umbrella/excess through carriers and negotiating placement structure and terms on a client’s behalf. Buyers should distinguish the marketed product line from broker-arranged placements, then compare the named insurer, form, and terms in any proposal. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [11](https://www.newfront.com/casualty-insurance "Casualty") ### Available Detail and Risk Services Berkshire Hathaway Specialty Insurance’s casualty material identifies pollution and contractor-form features, while Newfront describes analytics and benchmarking, claims advocacy, and integrated risk control across casualty coverages including umbrella/excess. Those are different parts of a placement: listed policy features versus practice-level services. A buyer can ask Newfront how its risk services apply to the umbrella program and ask the quoting insurer which endorsements are actually included. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [11](https://www.newfront.com/casualty-insurance "Casualty") ## What Should You Confirm in Berkshire Hathaway Specialty Insurance and Newfront Umbrella and Excess Liability Insurance Quotes? - Ask Berkshire Hathaway Specialty Insurance which legal insurer, form, and underwriting conditions appear in the quote. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") - Ask Newfront which carrier will issue the proposed layer and which casualty services apply to it. [11](https://www.newfront.com/casualty-insurance "Casualty") ## Berkshire Hathaway Specialty Insurance vs Newfront Umbrella and Excess Liability Compared | Criteria | Lead umbrella and excess casualty | Newfront Umbrella/Excess Liability | | --- | --- | --- | | Role in This Line | Confirm in your quote. | Newfront places umbrella and excess liability coverage through its Casualty practice rather than underwriting it; the practice negotiates placement structure and terms with carriers on the client's behalf. [11](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Casualty page Our Approach and Key Coverages sections..) | | Issuing Insurer | Confirm in your quote. | The reviewed Casualty page does not name an insurer for umbrella or excess placements; it describes 'strong carrier relationships' generally without naming a carrier. [11](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Not publicly disclosed; scope: Casualty page as read on 2026-09-23; carrier depends on the specific placement..) | | Who It’s For | BHSI lists manufacturers/distributors, real estate, grocery, financial institutions, construction, energy and trucking as umbrella/excess targets. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") (Evidence: Company-reported; scope: BHSI US lead umbrella/excess casualty targets. Material limitation: Targets remain subject to restrictions and underwriting appetite..) | Newfront says its Casualty team protects companies of every size and scope, and lists industry verticals it serves, including construction, manufacturing, technology, and life science, without a stated minimum size or premium threshold for umbrella/excess placements specifically. [11](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Casualty page intro and Areas of Expertise list..) | | Coverage Features | BHSI markets lead umbrella and excess casualty as an explicit product line and lists pollution/contractor-form features. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") (Evidence: Company-reported; scope: US commercial casualty placements. Material limitation: Marketing overview; the manuscript and broker-specific forms require underwriting..) | Umbrella/Excess Liability is listed as one of the Key Coverages within Newfront's Casualty practice, alongside general liability, product liability, auto liability, and workers' compensation, but the page does not describe specific attachment points or underlying-policy requirements. [11](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Casualty page Key Coverages list; no policy form reviewed..) | | Limits and Retentions | The appetite guide lists lead umbrella, follow-form excess and retained-limit forms, with $10 million excess capacity and more for selected risks. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") (Evidence: Company-reported; scope: Select risks in the guide’s US casualty appetite. Material limitation: Capacity is not a quote or universally available layer; “more” is risk-selective..) | Newfront's Casualty page does not publish umbrella or excess limit options; it describes program structuring (guaranteed cost, large deductible, self-insurance, captive) as a service rather than stating specific limit tiers. [11](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Not publicly disclosed; scope: Placement Expertise section; no limits schedule available..) | | Risk Services | Confirm in your quote. | Newfront says its Casualty team provides predictive analytics and benchmarking, claims advocacy, and integrated risk control to reduce claim frequency and total cost of risk, which the page frames as relevant across the casualty coverages it places, including umbrella/excess. [11](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Our Approach and The Newfront Difference sections..) | | How to Apply | Confirm in your quote. | You engage Newfront for umbrella/excess placement by requesting a consultation through the Casualty page, led by Frannie Epps, Head of the Casualty Practice; the page does not describe an online quote or bind flow. [11](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Casualty page call-to-action and Leadership section..) | ## Related Pages for Berkshire Hathaway Specialty Insurance vs Newfront - [Berkshire Hathaway Specialty Insurance vs Newfront](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront): all coverage lines, business roles, service and claims. - [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps. - [Berkshire Hathaway Specialty Insurance vs Newfront Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/cargo-transit) - [Berkshire Hathaway Specialty Insurance vs Newfront Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/commercial-property) - [Berkshire Hathaway Specialty Insurance vs Newfront Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/crime) - [Berkshire Hathaway Specialty Insurance vs Newfront Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/cyber) - [Berkshire Hathaway Specialty Insurance vs Newfront D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/directors-officers) - [Berkshire Hathaway Specialty Insurance vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/employment-practices) - [Berkshire Hathaway Specialty Insurance vs Newfront Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/fiduciary) - [Berkshire Hathaway Specialty Insurance vs Newfront General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/general-liability) - [Berkshire Hathaway Specialty Insurance vs Newfront Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/product-liability) - [Berkshire Hathaway Specialty Insurance vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/professional-errors-omissions) - [Berkshire Hathaway Specialty Insurance vs Newfront Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/representations-warranties) - [Berkshire Hathaway Specialty Insurance vs Newfront Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/surety-bonds) - [Berkshire Hathaway Specialty Insurance vs Newfront Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/technology-errors-omissions) - [AIG vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) - [AIG vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-newfront/umbrella-excess) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) - [Alliance Risk vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/umbrella-excess) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) - [Amelia Risk vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/umbrella-excess) ## Sources for Berkshire Hathaway Specialty Insurance vs Newfront ### Sources About Berkshire Hathaway Specialty Insurance 1. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section.. Accessed 2026-09-29. 2. [About Us](https://www.bhspecialty.com/about-us/). Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28. 3. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28. 4. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/). Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated.. Accessed 2026-09-28. 5. [Casualty Appetite Guide - U.S.](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf). Berkshire Hathaway Specialty Insurance; Casualty appetite PDF page 1: $50K minimum premium, GL/products/lead umbrella/excess lines, selected $10M excess capacity, placement forms and target/avoided classes; guide dated 2026-07-15. Accessed 2026-09-28. 6. [Casualty](https://www.bhspecialty.com/us-products/us-casualty/). Berkshire Hathaway Specialty Insurance; US casualty product lines and features: Primary General Liability lines 10-34; Primary Products/Completed Operations Liability 35-44; Lead Umbrella and Excess Casualty 46-63. Accessed 2026-09-28. ### Sources About Newfront 7. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15. 8. [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. 9. [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. 10. [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. 11. [Casualty](https://www.newfront.com/casualty-insurance). Newfront; Key Coverages to Protect Your Business: Umbrella/Excess Liability; Our Approach: Market Intelligence, Placement Expertise, Risk Quantification & Optimization; Leadership: Frannie Epps. Accessed 2026-09-23. ### Sources for the Umbrella and Excess Liability Insurance Guide 12. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16. 13. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16. 14. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16. 15. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16. 16. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16. Updated 2026-10-01. 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. ## Berkshire Hathaway Specialty Insurance Review Scores for 2026 Review Score: not enough ratings. The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score. - Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Trustpilot profile for bhspecialty.com, accessed 2026-09-29. Its small review set mixes travel-policy and other customer accounts; it is user-generated and unverified, and does not establish commercial-policy outcomes or representativeness. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com) - BBB: Customer review average 1 (out of 5 stars); 6 reviews. BBB page for BHSI headquarters and corporate-owned locations, accessed 2026-09-29. The page’s six customer reviews mix travel and commercial narratives; BBB says third-party information is not verified. BBB’s business letter grade is separate from these customer reviews. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reviews). ## Newfront Review Scores for 2026 Review Score: 10.0 / 10 from 1 rated source, equally weighted. 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. - BBB: BBB grade A (BBB letter grade). BBB profile for Ryan Tice | Newfront Insurance at a San Francisco address. Individual-producer/local listing, not Newfront Insurance Services company-wide. BBB profile displays A grade and says not BBB Accredited; grade is not customer stars. Period: File opened 2023-12-22; accessed 2026-09-25. Checked 2026-09-25. [Ryan Tice | Newfront Insurance | BBB](https://www.bbb.org/us/ca/san-francisco/profile/insurance-agency/ryan-tice---newfront-insurance-1116-955130) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/newfront/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront/umbrella-excess.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)