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

Harper takes umbrella quote requests by online form or phone; Newfront begins with a consultation request through its Casualty practice, which also covers predictive analytics and claims advocacy.

Harper suits a business that needs higher limits for a lease or contract and wants a quick quote online or by phone. Newfront suits companies that want umbrella negotiated within a casualty program, including large-deductible, self-insured or captive structures. ^1,²

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

A Quick Layer Versus a Negotiated Program

If a landlord or client contract demands $5 million in liability, Harper is built for that request. A specialist reviews your existing policies, maps which ones sit under the umbrella, and quotes a layer that follows their terms. Harper also covers an employee lawsuit that goes beyond workers' comp. Newfront's casualty team negotiates structure and terms with insurers for companies of every size, naming construction, manufacturing, technology and life science. It can set up guaranteed-cost, large-deductible, self-insured or captive programs. Choose Harper if you need limits for a contract fast; choose Newfront if you're large enough to rethink how you fund casualty risk. ¹ ²

Price Guidance and Ongoing Help

Harper says extra millions usually cost a fraction of the first million, though it publishes no figures. Newfront publishes no limit options either. It adds predictive analytics, claims advocacy and risk control across your casualty lines, and you start with a consultation led by Frannie Epps, Head of the Casualty Practice. Harper quotes online or by phone and describes no ongoing services. ¹ ²

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

Ask Harper which of your policies it has mapped under the umbrella and whether the form follows each one. ¹
Ask Newfront which program structure it recommends for your umbrella. ²
Ask both which insurer issues the layer; neither names one. ² ¹
Ask Newfront how the umbrella responds to an employee lawsuit above workers' comp; Harper describes that case. ¹ ²

Harper vs Newfront Umbrella and Excess Liability Insurance Compared

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

Criteria	Harper Umbrella Insurance	Newfront Umbrella/Excess Liability
Who It’s For	Harper recommends an umbrella when a lease or contract requires liability limits above a business's primary policies, and otherwise frames it as a judgment call based on how much of a claim the business could absorb. ¹Company-reported. Umbrella FAQ 'Do I need an umbrella?'.	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. ²Company-reported. Casualty page intro and Areas of Expertise list.
How to Apply	You request a quote through Harper's online form or by phone; Harper says a specialist reviews the underlying policies before recommending umbrella limits. ¹Company-reported. Umbrella page quote form and 'Why Harper' process steps.	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. ²Company-reported. Casualty page call-to-action and Leadership section.
Coverage Features	Harper describes the umbrella responding above general liability claims, above auto liability claims, and above a workers' compensation claim when an injured employee separately sues. ¹Company-reported. Umbrella page's four coverage tiles; the underlying and umbrella policies as issued control which claims actually qualify. Harper says the umbrella follows the terms of the policies underneath it, and that it maps exactly which underlying policies sit under a client's umbrella so there are no coverage gaps. ¹Company-reported. Umbrella FAQ 'Does it cover everything my other policies cover?'; a described mapping practice, not an independently verified outcome.	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. ²Company-reported. Casualty page Key Coverages list; no policy form reviewed.
Role in This Line	Harper places umbrella and excess liability coverage as extra limits stacked above a client's existing primary policies, rather than re-selling the underlying coverage itself. ¹Company-reported. Umbrella page introduction and 'What is Umbrella insurance?' 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. ²Company-reported. Casualty page Our Approach and Key Coverages sections.