HUB International vs 
Newfront: How Do They Compare for Umbrella and Excess Liability Insurance?
HUB International's casualty practice lists transportation, healthcare, hospitality and real estate among its industries; Newfront's lists construction, manufacturing, technology and life science, and starts with a consultation request.
Your industry picks the broker: HUB names transportation, healthcare, hospitality and real estate, while Newfront names technology and life science, and both cover construction and manufacturing. Newfront also offers large-deductible, self-insured and captive structures that HUB's page doesn't describe. 1,2
What Are the Key Differences Between HUB International and Newfront Umbrella and Excess Liability Insurance?
Industry Focus and How You Pay for Risk
Both are brokers whose casualty teams place umbrella with insurers. HUB frames umbrella as protection against a catastrophic settlement that blows through your general liability, auto or employer's liability limits. Newfront says it serves companies of every size and negotiates structure and terms with insurers for you. Its funding options are guaranteed cost, large deductible, self-insurance and captive. A deductible or captive can lower premium if you're willing to pay more of your own claims. Choose HUB if you run a trucking, healthcare, hospitality or real estate business; choose Newfront if you're a tech or life science company, or you want to take on a deductible or captive to cut casualty costs. 1 2
Service After the Sale and Getting Started
The services are close. HUB applies risk services, claims, litigation management and analytics across your casualty program. Newfront offers predictive analytics, claims advocacy and integrated risk control. HUB's litigation support stands out if you face frequent lawsuits. With Newfront, you begin with a consultation led by Frannie Epps, Head of the Casualty Practice, and can't bind online. Neither publishes limit amounts or attachment points. 1 2
What Should You Confirm in HUB International and Newfront Umbrella and Excess Liability Insurance Quotes?
- Ask both which insurer will issue your umbrella. 2 1
- Ask Newfront which funding structure it recommends and how much of each claim you'd pay yourself. 2
- Ask HUB whether litigation management and analytics are included in your fee or billed separately. 1
- Get the limit and the point where the umbrella starts paying from both. 2 1
HUB International vs Newfront Umbrella and Excess Liability Compared
HUB International vs Newfront: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | HUB International Umbrella and Excess Liability Insurance Brokerage | Newfront Umbrella/Excess Liability |
|---|---|---|
| Who It’s For | HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. 1Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria. | 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. |
| Coverage Features | HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. 1Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. | 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 | HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. 1Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer. | 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. |
| Risk Services | HUB describes a "Global Reach, Local Touch" approach built on extensive carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. 1Company-reported. Product-page service description; a company-reported capability describing the broader casualty practice, not umbrella-specific service detail. | 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. 2Company-reported. Our Approach and The Newfront Difference sections. |
