Mylo vs 
Newfront Umbrella and Excess Liability Insurance
Mylo compares $1–15 million commercial umbrella quotes; Newfront negotiates casualty umbrella inside guaranteed-cost, deductible or captive structures.
What Is Mylo Insurance?
Mylo is an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple carriers online or with a licensed advisor; the insurer named on the resulting policy provides the coverage. 1,2
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. 4,5,6,7
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. 9,10
Key Differences in Umbrella and Excess Liability Insurance
Coverage Attachment and Published Limits
Mylo brokers commercial umbrella by comparing quotes from multiple carriers rather than underwriting. Newfront places umbrella and excess through its Casualty practice rather than underwriting, and that practice negotiates placement structure and terms with carriers on the client’s behalf. 3 8
Mylo describes extra protection that takes over once general liability, commercial auto or workers’ compensation limits are exhausted, and says the layer cannot be purchased or used on its own without an underlying policy. Newfront lists umbrella/excess as a key coverage beside general liability, product liability, auto liability and workers’ compensation, without describing specific attachment points or underlying-policy requirements. 3 8
Mylo says most commercial umbrella policies pay between $1 million and $15 million above the underlying limits. Newfront’s Casualty page does not publish umbrella or excess limit options; it describes guaranteed cost, large deductible, self-insurance and captive structuring as a service. 3 8
Who Each Names
Mylo says umbrella may also be needed for businesses operating internationally whose primary policy limits overseas protection, or that have signed a contract with a customer, partner or vendor requiring umbrella. Newfront says its Casualty team protects companies of every size and lists construction, manufacturing, technology and life science. 3 8
How You Start
Mylo says a licensed agent reviews the specific business and compares quotes from top-rated carriers. You engage Newfront by requesting a consultation led by Frannie Epps; that page does not describe an online quote or bind flow. Both reviewed pages do not name the insurer that would issue a given policy. 3 8
What to Confirm in Umbrella and Excess Liability Insurance Quotes
- Ask Mylo where the quoted limit sits in the $1–15 million range and whether overseas primary gaps apply. 3
- Ask Newfront whether the umbrella sits in a guaranteed-cost, deductible, self-insured or captive structure. 8
- Confirm named carriers on both quotes. 3 8
- Ask Newfront which casualty analytics and claims-advocacy services attach to the umbrella placement. 8
Offering Details
Mylo vs Newfront Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Mylo Commercial Umbrella Insurance | Newfront Umbrella/Excess Liability |
|---|---|---|
| Role in This Line | Mylo brokers commercial umbrella insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. 3Company-reported. Commercial umbrella product 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. 8Company-reported. Casualty page Our Approach and Key Coverages sections. |
| Issuing Insurer | The commercial umbrella product page does not name the insurer that would issue a given business's policy. 3Not publicly disclosed. Checked the commercial umbrella product page on 2026-09-23. | The reviewed Casualty page does not name an insurer for umbrella or excess placements; it describes 'strong carrier relationships' generally without naming a carrier. 8Not publicly disclosed. Casualty page as read on 2026-09-23; carrier depends on the specific placement. |
| Who It’s For | Mylo says umbrella coverage may also be needed for businesses operating internationally whose primary policy limits overseas protection, or that have signed a contract with a customer, partner or vendor requiring umbrella coverage. 3Company-reported. Commercial umbrella product page FAQ. | 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. 8Company-reported. Casualty page intro and Areas of Expertise list. |
| Coverage Features | Mylo describes commercial umbrella as extra liability protection that takes over once a business exhausts the limits of its general liability, commercial auto or workers' compensation policies, and says it cannot be purchased or used on its own without an underlying policy in place. 3Company-reported. Commercial umbrella product page; the issued policy and its exclusions control. | 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. 8Company-reported. Casualty page Key Coverages list; no policy form reviewed. |
| Limits and Retentions | Mylo says most commercial umbrella policies pay out between $1 million and $15 million in additional coverage above the underlying policy's limits. 3Company-reported. Commercial umbrella product page FAQ; a general market range, not a quoted limit for any specific business. | 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. 8Not publicly disclosed. Placement Expertise section; no limits schedule available. |
| Risk Services | Not described in the reviewed sources. | 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. 8Company-reported. Our Approach and The Newfront Difference sections. |
| How to Apply | Mylo says a licensed agent reviews the specific business to give a personalized recommendation on whether umbrella coverage makes sense, and compares quotes from top-rated carriers. 3Company-reported. Commercial umbrella product page "How will Mylo find me the right policy?" section. | 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. 8Company-reported. Casualty page call-to-action and Leadership section. |
Full Comparison
More Mylo vs Newfront Comparisons
Other Umbrella and Excess Liability Insurance Comparisons
Sources
Mylo
- Small Business Insurance. Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
- About Mylo. Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
- Commercial Umbrella. Mylo; Rainy days? Try Umbrella coverage; Don't put a limit on your success (example scenarios for general liability, commercial auto and workers' comp); Umbrella coverage FAQs (typical payout range, standalone-use limitation); How will Mylo find me the right policy? Accessed 2026-09-23.
Newfront
- Business Insurance. Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
- Employee Benefits. Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
- WTW Completes Acquisition Of Newfront. WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
- Casualty. 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
- 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.
- Commercial Insurance Guide. 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.
