--- title: "HUB International vs Newfront Umbrella and Excess Liability Insurance" description: "HUB and Newfront both broker casualty umbrella; they differ on named industries, program structures and how you start a placement." canonical: "https://spot.insure/compare/hub-international-vs-newfront/umbrella-excess" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-newfront/umbrella-excess) # HUB International vs Newfront Umbrella and Excess Liability Insurance HUB and Newfront both broker casualty umbrella; they differ on named industries, program structures and how you start a placement. ## Research Scope and Use Use this comparison to evaluate HUB International and Newfront for Umbrella and Excess Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary HUB brokers umbrella through casualty for transportation, construction, healthcare, hospitality, manufacturing and real estate. Newfront’s Casualty practice also places the line, lists construction, manufacturing, technology and life science, and describes guaranteed-cost, large-deductible, self-insurance and captive structuring without publishing limit tiers. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [9](https://www.newfront.com/casualty-insurance "Casualty") ## What Is HUB International? HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## What Is Newfront? Newfront is a business-insurance and employee-benefits brokerage that combines specialist teams with online policy-management tools. It is now part of WTW. [5](https://www.newfront.com/business-insurance "Business Insurance") [6](https://www.newfront.com/total-rewards "Employee Benefits") [7](https://www.newfront.com/navigator "Newfront Navigator") [8](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront") [Newfront profile](https://spot.insure/insurance-providers/newfront) ## What Is Umbrella and Excess Liability Insurance? Commercial umbrella insurance can provide additional liability limits above scheduled underlying policies for covered claims. Don't assume umbrella and excess liability are the same coverage — the labels aren't proven synonyms. [10](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") ## Key Differences in Umbrella and Excess Liability Insurance ### Two Casualty Practices, Different Industry Lists HUB brokers umbrella and excess through its casualty practice rather than underwriting. Newfront places the same line through its Casualty practice rather than underwriting, and that practice negotiates placement structure and terms with carriers on the client’s behalf. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [9](https://www.newfront.com/casualty-insurance "Casualty") HUB says casualty expertise including umbrella spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate. Newfront says its Casualty team protects companies of every size and lists construction, manufacturing, technology and life science, without a stated minimum size for umbrella. Healthcare, hospitality, transportation and real estate appear on HUB’s list; technology and life science appear on Newfront’s. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [9](https://www.newfront.com/casualty-insurance "Casualty") ### How Each Talks About Structure and Services HUB describes protection against catastrophic settlements that exceed underlying general liability, auto or employers’-liability limits. Newfront lists umbrella/excess as a key coverage beside general liability, product liability, auto liability and workers’ compensation, without describing specific attachment points. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [9](https://www.newfront.com/casualty-insurance "Casualty") Newfront describes program structuring (guaranteed cost, large deductible, self-insurance, captive) as a service rather than stating limit tiers. HUB’s casualty page does not describe those four funding structures for umbrella. Both pages omit published limit amounts. [9](https://www.newfront.com/casualty-insurance "Casualty") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") HUB applies risk-services, claims, litigation and analytics across casualty programs that include umbrella. Newfront cites predictive analytics, claims advocacy and integrated risk control across the casualty coverages it places, including umbrella. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [9](https://www.newfront.com/casualty-insurance "Casualty") You engage Newfront by requesting a consultation led by Frannie Epps, Head of the Casualty Practice; the page does not describe an online bind flow. HUB’s casualty page does not name a practice-head intake for this line. [9](https://www.newfront.com/casualty-insurance "Casualty") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") ## What to Confirm in Umbrella and Excess Liability Insurance Quotes - Ask Newfront whether the umbrella sits in a guaranteed-cost, deductible, self-insured or captive structure. [9](https://www.newfront.com/casualty-insurance "Casualty") - Ask HUB which of its named industries and litigation or analytics services apply. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") - Compare carrier panels if you sit in technology or life science versus healthcare or hospitality. [9](https://www.newfront.com/casualty-insurance "Casualty") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") - Get issuing insurer names from both. [9](https://www.newfront.com/casualty-insurance "Casualty") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") ## Offering Details | Criteria | HUB International Umbrella and Excess Liability Insurance Brokerage | Newfront Umbrella/Excess Liability | | --- | --- | --- | | Role in This Line | HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [9](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Casualty page Our Approach and Key Coverages sections..) | | Issuing Insurer | The casualty insurance page does not name an issuing insurer for umbrella or excess coverage; HUB places this coverage with insurers that vary by client and program. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not found in reviewed sources; scope: Checked the casualty insurance page on 2026-09-23; no carrier is disclosed there..) | The reviewed Casualty page does not name an insurer for umbrella or excess placements; it describes 'strong carrier relationships' generally without naming a carrier. [9](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Not publicly disclosed; scope: Casualty page as read on 2026-09-23; carrier depends on the specific placement..) | | 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [9](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [9](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Casualty page Key Coverages list; no policy form reviewed..) | | Limits and Retentions | Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not publicly disclosed; scope: Checked the casualty insurance page on 2026-09-23; limits are set on the quote and declarations..) | 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. [9](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Not publicly disclosed; scope: Placement Expertise section; no limits schedule available..) | | 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [9](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Our Approach and The Newfront Difference sections..) | | How to Apply | 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. [9](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Casualty page call-to-action and Leadership section..) | ## Full Comparison - [HUB International vs Newfront](https://spot.insure/compare/hub-international-vs-newfront): all coverage lines, business roles, service and claims. - [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella and excess liability insurance can add limits above the underlying policies it lists, subject to its coverage terms. - [HUB International vs Newfront Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-newfront/cargo-transit) - [HUB International vs Newfront Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-newfront/commercial-auto) - [HUB International vs Newfront Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-newfront/commercial-property) - [HUB International vs Newfront Crime Insurance](https://spot.insure/compare/hub-international-vs-newfront/crime) - [HUB International vs Newfront Cyber Insurance](https://spot.insure/compare/hub-international-vs-newfront/cyber) - [HUB International vs Newfront D&O Insurance](https://spot.insure/compare/hub-international-vs-newfront/directors-officers) - [HUB International vs Newfront Employee Health Benefits](https://spot.insure/compare/hub-international-vs-newfront/employee-health-benefits) - [HUB International vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-newfront/employment-practices) - [HUB International vs Newfront Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-newfront/equipment-breakdown) - [HUB International vs Newfront Fidelity Bonds](https://spot.insure/compare/hub-international-vs-newfront/fidelity-bonds) - [HUB International vs Newfront Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-newfront/fiduciary) - [HUB International vs Newfront General Liability Insurance](https://spot.insure/compare/hub-international-vs-newfront/general-liability) - [HUB International vs Newfront Management Liability Insurance](https://spot.insure/compare/hub-international-vs-newfront/management-liability) - [HUB International vs Newfront Product Liability Insurance](https://spot.insure/compare/hub-international-vs-newfront/product-liability) - [HUB International vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-newfront/professional-errors-omissions) - [HUB International vs Newfront Representations and Warranties Insurance](https://spot.insure/compare/hub-international-vs-newfront/representations-warranties) - [HUB International vs Newfront Surety Bonds](https://spot.insure/compare/hub-international-vs-newfront/surety-bonds) - [HUB International vs Newfront Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-newfront/technology-errors-omissions) - [HUB International vs Newfront Telehealth Insurance](https://spot.insure/compare/hub-international-vs-newfront/virtual-care-telehealth) - [HUB International vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-newfront/workers-compensation) - [Alliance Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/umbrella-excess) - [Alliance Risk vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/umbrella-excess) - [Amelia Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/umbrella-excess) - [Amelia Risk vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/umbrella-excess) - [CFC vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/umbrella-excess) - [CFC vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-newfront/umbrella-excess) ## Sources ### HUB International 1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16. 4. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; Umbrella & Excess Liability section: protection for potentially catastrophic liability claim settlements and judgments; General & Product Liability section; Global Reach, Local Touch carrier-relationship description; industries served list; Connect With a HUB casualty insurance broker. Accessed 2026-09-23. ### Newfront 5. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15. 6. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16. 7. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15. 8. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15. 9. [Casualty](https://www.newfront.com/casualty-insurance). Newfront; Key Coverages to Protect Your Business: Umbrella/Excess Liability; Our Approach: Market Intelligence, Placement Expertise, Risk Quantification & Optimization; Leadership: Frannie Epps. Accessed 2026-09-23. ### Umbrella and Excess Liability Insurance Guide 10. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16. 11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-newfront/umbrella-excess.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)