CFC vs 
Newfront: How Do They Compare for Umbrella and Excess Liability Insurance?
Newfront negotiates umbrella within broader casualty programs and adds analytics and claims advocacy; CFC offers small businesses a single excess layer over professional, GL or cyber policies from any carrier.
CFC sells small and micro businesses an excess layer over professional liability, general liability or cyber, even when those policies come from another insurer. Newfront's casualty team negotiates umbrella as part of a larger program, with analytics and claims advocacy. 1,3
What Are the Key Differences Between CFC and Newfront Umbrella and Excess Liability Insurance?
Excess Over Professional or Cyber, or a Full Casualty Tower
CFC's excess can sit over professional liability or cyber as well as general liability, and it will go over primaries written by other insurers. Newfront treats umbrella as one piece of a casualty program alongside product liability, auto and workers' compensation, and negotiates structure and terms with carriers for companies of every size, including construction, manufacturing, technology and life sciences. Choose CFC if you're a small or micro business that needs higher professional, general liability or cyber limits; choose Newfront if your auto, product and workers' compensation exposure needs to sit under one tower. 1 3
Support Beyond the Policy
Newfront's casualty practice offers predictive analytics and benchmarking, claims advocacy and integrated risk control across the policies it places. That helps most when a large claim touches several layers. CFC's excess page describes none of that and simply asks you to contact CFC. 3 1
How You Start
At Newfront, you request a consultation with Frannie Epps, head of the casualty practice; there's no online purchase. CFC also works by contact rather than online checkout. Neither publishes limit options, so ask for them early. 3 1
What Should You Confirm in CFC and Newfront Umbrella and Excess Liability Insurance Quotes?
- Ask CFC which of your underlying policies it will sit over, and whether a primary from another insurer changes the terms. 1
- Ask Newfront whether the excess layer is guaranteed cost, large deductible, self-insured or captive-based. 3
- Ask Newfront whether its placements can include professional or cyber excess like CFC's. 3 1
- Ask both which insurer issues the policy. 3 2
CFC vs Newfront Umbrella and Excess Liability Insurance Compared
CFC vs Newfront: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | CFC Umbrella Cover | Newfront Umbrella/Excess Liability |
|---|---|---|
| Who It’s For | CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. 1Company-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. 3Company-reported. Casualty page intro and Areas of Expertise list. |
| How to Apply | The umbrella cover page directs interested businesses to contact CFC directly rather than describing an online quote or indication tool. 1Company-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. 3Company-reported. Casualty page call-to-action and Leadership section. |
| Coverage Features | CFC says it will provide this excess layer regardless of whether the underlying primary policy is placed with CFC or with another insurer. 1Company-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. 3Company-reported. Casualty page Key Coverages list; no policy form reviewed. |
| Role in This Line | 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. 1Company-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. 3Company-reported. Casualty page Our Approach and Key Coverages sections. |
