Chubb vs Newfront: How Do They Compare for Umbrella and Excess Liability Insurance?

Newfront places umbrella through its Casualty practice, negotiating structure and terms with carriers, with claims advocacy. Chubb underwrites its own umbrella and lets appointed brokers reserve, quote, bind and issue through Express Umbrella.

Chubb is an insurer: you can request an umbrella quote online or through an agent, and appointed brokers can bind it quickly through Express Umbrella. Newfront is a broker that starts with a consultation, negotiates terms with several insurers and stays involved through analytics and claims advocacy. ^1,³

What Are the Key Differences Between Chubb and Newfront Umbrella and Excess Liability Insurance?

A Quick Standard Layer Versus a Negotiated Program

Appointed brokers can reserve, quote, bind and issue Chubb umbrella on Express Umbrella, and Chubb sorts options by segment: large global and national companies, mid-sized companies, energy and construction. Newfront's Casualty practice, led by Frannie Epps, negotiates structure and terms with insurers it doesn't name, and can set up guaranteed-cost, large-deductible, self-insured or captive programs. Choose Chubb if you're a mid-sized, energy or construction company that wants a known insurer and a fast bind; choose Newfront if your casualty costs are large enough that a deductible or captive structure could save money. ¹ ³

Support Around the Policy

Newfront backs the placement with predictive analytics, benchmarking against peers, claims advocacy and risk control across construction, manufacturing, technology and life science. Chubb's page focuses on the policy itself and the ways to buy it. If you want someone arguing your side when a claim is disputed, Newfront names that service; Chubb is the party paying the claim. ³ ¹

What Should You Confirm in Chubb and Newfront Umbrella and Excess Liability Insurance Quotes?

Ask Chubb which segment you fall into and whether your broker can bind through Express Umbrella. ¹
Ask Newfront which program structure it would recommend for your umbrella layer. ³
Ask Newfront which insurers it will approach, including whether Chubb is one of them. ³ ¹
Get the point where the umbrella starts paying in writing; neither publishes it. ¹ ³

Chubb vs Newfront Umbrella and Excess Liability Insurance Compared

Chubb vs Newfront: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Chubb Umbrella & Excess Casualty Insurance	Newfront Umbrella/Excess Liability
Who It’s For	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. ¹Company-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. ³Company-reported. Casualty page intro and Areas of Expertise list.
How to Apply	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. ¹Company-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. ¹Company-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. ³Company-reported. Casualty page call-to-action and Leadership section.
Coverage Features	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. ¹Company-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. ³Company-reported. Casualty page Key Coverages list; no policy form reviewed.
Role in This Line	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. ^1,²Company-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. ³Company-reported. Casualty page Our Approach and Key Coverages sections.