Chubb vs Newfront Umbrella and Excess Liability Insurance

Chubb underwrites umbrella and excess liability insurance directly, spanning smaller and mid-sized companies through global multinationals, and offers it as an add-on within its small-business Total Account Solution. ^4,5Company-reported. Umbrella & Excess Casualty product page and workers'-compensation Total Account Solution section.

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.

Not described in the reviewed sources.

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.

Chubb structures umbrella and excess casualty into separate options for large global and national companies, mid-sized companies, the energy industry, and the construction industry, saying it tailors solutions to each segment's exposures. ⁴Company-reported. Umbrella & Excess Casualty Insurance Options section.

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.

For large global and national companies, Chubb specializes in lead umbrella and excess liability; for mid-sized companies it offers what it calls competitive excess casualty alternatives with claims handling and timely service. ⁴Company-reported. Umbrella & Excess Casualty product page option descriptions.

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 and excess casualty page does not publish specific attachment points, limit amounts or pricing; these vary by account and program. ⁴Not found in reviewed sources. Umbrella & Excess Casualty product page as read on 2026-09-23.

When bundled through Chubb's small-business Total Account Solution, umbrella insurance is described only as providing "an additional layer of coverage over existing liability policies," without a published limit amount. ⁵Company-reported. Workers'-compensation Total Account Solution section.

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.

Chubb offers Express Umbrella, a web-based platform for appointed brokers to reserve, quote, bind and issue umbrella business, which Chubb says can help brokers build specialized books of business. ⁴Company-reported. Express Umbrella Online Platform section; available to appointed brokers, not directly to buyers.

You can request a quote online, or an appointed independent agent or broker can place the policy through a Chubb Appointment. ⁴Company-reported. Umbrella & Excess Casualty product page quote 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.