---
title: "HUB International vs Newfront: Umbrella and Excess Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/hub-international-vs-newfront/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-newfront"
provider-a: "hub-international"
provider-b: "newfront"
coverage-line: "umbrella-excess"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-newfront/umbrella-excess)

## Agent Guide

**What this page is:** Focused comparison of HUB International and Newfront for Umbrella and Excess Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Umbrella and Excess Liability Insurance questions about HUB International versus Newfront. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs Newfront for Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, HUB International or Newfront?
- What does HUB International or Newfront publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: HUB International and Newfront.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [HUB International vs Newfront](https://spot.insure/compare/hub-international-vs-newfront) — all coverage lines for this pair
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [Newfront profile](https://spot.insure/insurance-providers/newfront) — provider profile

# 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.

HUB covers umbrella for transportation, healthcare, hospitality and real estate companies, while Newfront focuses on technology and life science and can restructure your casualty program with deductibles or captives.

## HUB International vs Newfront Umbrella and Excess Liability Insurance Summary

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](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [2](https://www.newfront.com/casualty-insurance "Casualty")

## 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](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [2](https://www.newfront.com/casualty-insurance "Casualty")

### 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](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [2](https://www.newfront.com/casualty-insurance "Casualty")

## What Should You Confirm in HUB International and Newfront Umbrella and Excess Liability Insurance Quotes?

- Ask both which insurer will issue your umbrella. [2](https://www.newfront.com/casualty-insurance "Casualty") [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Ask Newfront which funding structure it recommends and how much of each claim you'd pay yourself. [2](https://www.newfront.com/casualty-insurance "Casualty")
- Ask HUB whether litigation management and analytics are included in your fee or billed separately. [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Get the limit and the point where the umbrella starts paying from both. [2](https://www.newfront.com/casualty-insurance "Casualty") [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

## HUB International vs Newfront Umbrella and Excess Liability Compared

| 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. [1](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. [2](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. [1](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. [2](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: 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. [1](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. [2](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: 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. [1](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. [2](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Our Approach and The Newfront Difference sections..) |

## About HUB International and Newfront and Umbrella and Excess Liability

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [Newfront company profile](https://spot.insure/insurance-providers/newfront) · [Newfront customer reviews](https://spot.insure/insurance-providers/newfront/reviews)
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess)

## Related Pages for HUB International vs Newfront

- [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 or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [HUB International Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/hub-international/umbrella-excess)
- [Newfront Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/newfront/umbrella-excess)

## Sources for HUB International vs Newfront

### Sources About HUB International

1. [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.

### Sources About Newfront

2. [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.

Updated 2026-09-25. 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)
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- [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)