CFC vs Newfront Umbrella and Excess Liability Insurance

CFC sells an umbrella (excess) policy that sits above a business's primary professional liability, general liability, or cyber policy, or any combination of the three, in a single excess policy. ⁵Company-reported. Umbrella cover product page description of what the policy tops up.

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. ¹⁰Company-reported. Casualty page Our Approach and Key Coverages sections.

The reviewed umbrella cover page does not name the insurer or Lloyd's syndicate carrying this excess risk. CFC's regulatory page lists CFC-affiliated underwriting entities, including its own Lloyd's Syndicate 1988, but does not tie one specifically to this product. ^5,4Not publicly disclosed. Checked the umbrella cover page and CFC's regulatory information page; neither names a carrier for this product.

The reviewed Casualty page does not name an insurer for umbrella or excess placements; it describes 'strong carrier relationships' generally without naming a carrier. ¹⁰Not publicly disclosed. Casualty page as read on 2026-09-23; carrier depends on the specific placement.

CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. ⁵Company-reported. Umbrella cover product page; specific eligibility for a given business depends on underwriting.

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. ¹⁰Company-reported. Casualty page intro and Areas of Expertise list.

CFC says it will provide this excess layer regardless of whether the underlying primary policy is placed with CFC or with another insurer. ⁵Company-reported. Umbrella cover product page.

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. ¹⁰Company-reported. Casualty page Key Coverages list; no policy form reviewed.

The reviewed umbrella cover page does not publish maximum excess limit amounts or the underlying primary limits it requires; those would appear on a quote. ⁵Not found in reviewed sources. Umbrella cover page checked on 2026-09-23 has no product brochure content extracted beyond the page text; no numeric limit figures appear on the page itself.

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. ¹⁰Not publicly disclosed. Placement Expertise section; no limits schedule available.

Not described in the reviewed sources.

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. ¹⁰Company-reported. Our Approach and The Newfront Difference sections.

The umbrella cover page directs interested businesses to contact CFC directly rather than describing an online quote or indication tool. ⁵Company-reported. Umbrella cover product page call to action.

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. ¹⁰Company-reported. Casualty page call-to-action and Leadership section.