Founder Shield vs 
Newfront: How Do They Compare for Umbrella and Excess Liability Insurance?
Both place umbrella through carriers: Founder Shield takes requests through its website or an advisor, while Newfront begins with a consultation request through its Casualty practice.
Founder Shield suits owners and professionals who want an umbrella from an insurer rated A- or better by AM Best. Newfront suits companies with bigger casualty programs, adding analytics, claims advocacy and options such as large deductibles or captives. 1,3,4
What Are the Key Differences Between Founder Shield and Newfront Umbrella and Excess Liability Insurance?
Individuals and Small Firms Versus Company Programs
Founder Shield's umbrella page speaks to high-net-worth individuals, business owners, property owners and professionals such as doctors, lawyers and architects, and covers bodily injury, property damage, and libel or slander once your primary limits run out. Newfront's Casualty team works with companies of every size in construction, manufacturing, technology and life science. Choose Founder Shield if you're a professional or owner who wants personal and business liability protection above your primary policies; choose Newfront if you're a company whose casualty spend justifies a custom program. 1 4
Insurer Quality Versus Program Structure
Founder Shield only uses insurers rated A- or better by AM Best, picked for your industry, which gives you a floor on the financial strength behind claims. Newfront names no insurers or rating floor. Instead it offers guaranteed-cost, large-deductible, self-insured and captive structures, plus predictive analytics, benchmarking, claims advocacy and risk control. 3 4
How You Start
You request a Founder Shield umbrella on its website or through an advisor, and its team approaches insurers. Newfront starts with a consultation through its Casualty practice, led by Frannie Epps, and offers no online quote. 2 4
What Should You Confirm in Founder Shield and Newfront Umbrella and Excess Liability Insurance Quotes?
- Ask Founder Shield whether the policy covers personal liability, business liability or both. 1
- Ask Newfront which structure it recommends: guaranteed cost, deductible, self-insured or captive. 4
- Ask Newfront which insurers it will use and their AM Best ratings, to compare with Founder Shield's A- floor. 3 4
- Ask Newfront whether its analytics and claims advocacy apply to your umbrella layer. 4
Founder Shield vs Newfront Umbrella and Excess Liability Compared
Founder Shield vs Newfront: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Founder Shield Umbrella Insurance | Newfront Umbrella/Excess Liability |
|---|---|---|
| Who It’s For | Founder Shield's page describes umbrella coverage broadly for high-net-worth individuals, business owners, property owners, and professionals such as doctors, lawyers or architects; it does not distinguish a business-only umbrella product from personal umbrella coverage. 1Company-reported. Umbrella Insurance product page; wording mixes personal and commercial umbrella use cases. | 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. 4Company-reported. Casualty page intro and Areas of Expertise list. |
| How to Apply | You request Founder Shield Umbrella Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. 2,3Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form. | 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. 4Company-reported. Casualty page call-to-action and Leadership section. |
| Coverage Features | Founder Shield describes umbrella insurance as extra liability coverage above the limits of underlying policies, responding to bodily injury, property damage, and personal-liability claims like libel or slander once primary limits are exhausted. 1Company-reported. Product page; the issued policy and declarations control actual coverage. | 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. 4Company-reported. Casualty page Key Coverages list; no policy form reviewed. |
| Role in This Line | Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Umbrella Insurance with third-party carriers rather than underwriting the policy itself. 2Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line. | 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. 4Company-reported. Casualty page Our Approach and Key Coverages sections. |
