Gallagher vs Newfront Umbrella and Excess Liability Insurance

Gallagher's Casualty practice places umbrella and excess liability coverage with outside carriers as one line within a broader casualty program; it does not underwrite the policy. ⁶Company-reported. Group-level casualty practice page.

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. ¹¹Company-reported. Casualty page Our Approach and Key Coverages sections.

The casualty practice page does not name the insurer that would issue a given client's umbrella or excess policy. ⁶Not publicly disclosed. Checked the group-level casualty practice page.

The reviewed Casualty page does not name an insurer for umbrella or excess placements; it describes 'strong carrier relationships' generally without naming a carrier. ¹¹Not publicly disclosed. Casualty page as read on 2026-09-23; carrier depends on the specific placement.

The casualty practice page does not name a target industry, size or minimum premium for umbrella/excess placements; it describes the practice generally as serving clients with a broader casualty program. ⁶Not publicly disclosed. Checked the group-level casualty practice page on 2026-09-23.

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. ¹¹Company-reported. Casualty page intro and Areas of Expertise list.

Gallagher groups umbrella/excess liability with automobile liability, workers' compensation and general/product liability under its casualty practice, offering "customized excess casualty program design and placement" and non-traditional alternative risk programs, but does not describe specific attachment points, exclusions or triggers. ⁶Company-reported. Group-level casualty practice page; a service description, not a specific policy's insuring agreement.

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. ¹¹Company-reported. Casualty page Key Coverages list; no policy form reviewed.

The casualty practice page does not publish specific umbrella/excess limits, attachment points or premium ranges; it says program structure, coverage, limits and pricing are designed to fit the client's current and future needs. ⁶Not publicly disclosed. Checked the group-level casualty practice page.

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. ¹¹Not publicly disclosed. Placement Expertise section; no limits schedule available.

Gallagher describes pre-renewal meetings with a client's finance, HR, operations and risk-management stakeholders, a gap analysis and contract/form review to close coverage gaps between policies, and a dedicated claims and loss-control advocacy group that reviews legacy loss information to build claim-mitigation and loss-prevention programs. ⁶Company-reported. Group-level casualty practice page; described at the practice level across all casualty lines, not exclusively for umbrella/excess.

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. ¹¹Company-reported. Our Approach and The Newfront Difference sections.

Not described in the reviewed sources.

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. ¹¹Company-reported. Casualty page call-to-action and Leadership section.