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

Newfront places umbrella through its Casualty practice, starting with a consultation request; Relm Insurance markets excess liability as a line brokers place, advising on the limits a client needs.

Newfront works with you directly to build umbrella into a casualty program, with options from guaranteed cost to captives. Relm's excess is sold through brokers and aims at companies with large fleets, heavy public contact or big contracts, especially in energy, manufacturing and transportation. ^1,²

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

Direct Advisor or Through Your Broker

You engage Newfront yourself: request a consultation with Frannie Epps, head of its casualty practice, and the team negotiates structure and terms with carriers for you. Relm's excess reaches you through a placing broker, who advises on the limit you need. Relm's excess kicks in once your underlying liability limits are used up, and it points to exposures that produce big verdicts: large vehicle fleets, lots of public contact and large contracts. Choose Newfront if you're a tech, life-science, construction or manufacturing company that wants one advisor designing the program; choose Relm if you're in energy or transportation, or run a large fleet, and already have a broker who can place it. ¹ ²

Ways to Pay for Risk

Newfront can set up your casualty program as guaranteed cost, large deductible, self-insurance or captive, and adds predictive analytics, claims advocacy and integrated risk control. If you're big enough to carry some of your own losses, that can lower your total cost. Relm describes no such options. ¹ ²

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

Ask Newfront whether your umbrella sits in a guaranteed-cost, deductible, self-insured or captive structure. ¹
Ask your broker whether Relm writes excess for your industry and fleet size. ²
Get each side's recommended limit in writing, with the reasoning. ¹ ²
Ask which insurer issues each layer; neither page names one. ¹ ²

Newfront vs Relm Insurance Umbrella and Excess Liability Compared

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

Criteria	Newfront Umbrella/Excess Liability	Relm Excess Liability Insurance
Who It’s For	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. ¹Company-reported. Casualty page intro and Areas of Expertise list.	Relm says excess liability benefits companies with higher-than-average liability exposure, such as those with large vehicle fleets, significant public interaction or large contracts, and calls it especially important for high-risk industries like energy, manufacturing or transportation. ²Company-reported. Casualty page 'What is Excess Liability Insurance?' section; not a guarantee of eligibility for a particular company.
How to Apply	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. ¹Company-reported. Casualty page call-to-action and Leadership section.	Relm says brokers will always advise on the exact excess liability limits a client needs, framing the product as broker-guided rather than self-service. ²Company-reported. Casualty page 'What is Excess Liability Insurance?' section; no quote was requested during this research.
Coverage Features	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. ¹Company-reported. Casualty page Key Coverages list; no policy form reviewed.	Relm says excess liability adds protection once the limits of a company's underlying liability policies are exhausted. ²Company-reported. Casualty page 'What is Excess Liability Insurance?' section; the issued policy and declarations control.
Role in This Line	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. ¹Company-reported. Casualty page Our Approach and Key Coverages sections.	Relm markets Excess Liability Insurance as a casualty line brokers can place for clients whose underlying liability limits may not be sufficient. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.