---
title: "Newfront vs Relm Insurance Umbrella and Excess Liability Insurance"
description: "Newfront negotiates casualty umbrella inside guaranteed-cost or captive structures; Relm markets excess for brokers serving fleets, energy and large contracts."
canonical: "https://spot.insure/compare/newfront-vs-relm/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Newfront vs Relm Insurance Umbrella and Excess Liability Insurance

Newfront negotiates casualty umbrella inside guaranteed-cost or captive structures; Relm markets excess for brokers serving fleets, energy and large contracts.

## Research Scope and Use

Use this comparison to evaluate Newfront and Relm Insurance 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

Newfront’s Casualty practice places umbrella and excess, lists construction, manufacturing, technology and life science, and describes guaranteed-cost, large-deductible, self-insurance and captive options. Relm markets excess liability as a line brokers place for clients with large fleets, public interaction or large contracts, especially in energy, manufacturing and transportation. [5](https://www.newfront.com/casualty-insurance "Casualty") [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## 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. [1](https://www.newfront.com/business-insurance "Business Insurance") [2](https://www.newfront.com/total-rewards "Employee Benefits") [3](https://www.newfront.com/navigator "Newfront Navigator") [4](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 Relm Insurance?

Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. [6](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [7](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## 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](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [10](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

### Negotiating Structure Versus Marketing Excess to Brokers

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. Relm markets excess liability insurance as a casualty line brokers can place for clients whose underlying liability limits may not be sufficient. [5](https://www.newfront.com/casualty-insurance "Casualty") [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

Newfront lists umbrella/excess as a key coverage beside general liability, product liability, auto liability and workers’ compensation, without describing specific attachment points. Relm says excess adds protection once the limits of a company’s underlying liability policies are exhausted. [5](https://www.newfront.com/casualty-insurance "Casualty") [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

### Verticals and Funding Options

Newfront says its Casualty team protects companies of every size and lists construction, manufacturing, technology and life science. Relm points to large vehicle fleets, significant public interaction or large contracts, and calls excess especially important for energy, manufacturing or transportation. Technology and life science appear on Newfront’s list; energy, fleets and public-interaction exposure appear on Relm’s. Both name manufacturing. [5](https://www.newfront.com/casualty-insurance "Casualty") [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

Newfront describes guaranteed cost, large deductible, self-insurance and captive structuring as a service rather than stating limit tiers. Relm says brokers will always advise on the exact excess limits a client needs, framing the product as broker-guided rather than self-service, without those four funding structures. [5](https://www.newfront.com/casualty-insurance "Casualty") [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

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. Relm’s page assumes a placing broker will set the limit. Newfront also cites predictive analytics, claims advocacy and integrated risk control across casualty coverages including umbrella. Neither page names an issuing insurer. [5](https://www.newfront.com/casualty-insurance "Casualty") [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## 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. [5](https://www.newfront.com/casualty-insurance "Casualty")
- Ask Relm which placing broker and energy or fleet market would write the excess. [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- Confirm the exact limit each side recommends. [5](https://www.newfront.com/casualty-insurance "Casualty") [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- Get issuing carrier names. [5](https://www.newfront.com/casualty-insurance "Casualty") [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## Offering Details

| Criteria | Newfront Umbrella/Excess Liability | Relm Excess Liability Insurance |
| --- | --- | --- |
| 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. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: 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. [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |
| Issuing Insurer | The reviewed Casualty page does not name an insurer for umbrella or excess placements; it describes 'strong carrier relationships' generally without naming a carrier. [5](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..) | The reviewed page does not name a specific issuing insurer for excess liability placements. [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Not publicly disclosed; scope: Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific..) |
| 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. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: 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. [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page 'What is Excess Liability Insurance?' section; not a guarantee of eligibility for a particular company..) |
| 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. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: 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. [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page 'What is Excess Liability Insurance?' section; the issued policy and declarations control..) |
| Limits and Retentions | 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. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Not publicly disclosed; scope: Placement Expertise section; no limits schedule available..) | Not described in the reviewed sources. |
| Risk Services | 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. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Our Approach and The Newfront Difference sections..) | Not described in the reviewed sources. |
| 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. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: 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. [8](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page 'What is Excess Liability Insurance?' section; no quote was requested during this research..) |

## Full Comparison

- [Newfront vs Relm Insurance](https://spot.insure/compare/newfront-vs-relm): 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.
- [Newfront vs Relm Insurance Commercial Property Insurance](https://spot.insure/compare/newfront-vs-relm/commercial-property)
- [Newfront vs Relm Insurance Crime Insurance](https://spot.insure/compare/newfront-vs-relm/crime)
- [Newfront vs Relm Insurance Cyber Insurance](https://spot.insure/compare/newfront-vs-relm/cyber)
- [Newfront vs Relm Insurance D&O Insurance](https://spot.insure/compare/newfront-vs-relm/directors-officers)
- [Newfront vs Relm Insurance Digital Asset Insurance](https://spot.insure/compare/newfront-vs-relm/digital-assets)
- [Newfront vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/newfront-vs-relm/employment-practices)
- [Newfront vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/newfront-vs-relm/fiduciary)
- [Newfront vs Relm Insurance General Liability Insurance](https://spot.insure/compare/newfront-vs-relm/general-liability)
- [Newfront vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/newfront-vs-relm/product-liability)
- [Newfront vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/newfront-vs-relm/professional-errors-omissions)
- [Newfront vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/newfront-vs-relm/technology-errors-omissions)
- [Alliance Risk vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/umbrella-excess)
- [Alliance Risk vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-relm/umbrella-excess)
- [Amelia Risk vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/umbrella-excess)
- [Amelia Risk vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-relm/umbrella-excess)
- [CFC vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-newfront/umbrella-excess)
- [CFC vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-relm/umbrella-excess)

## Sources

### Newfront

1. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
2. [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.
3. [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.
4. [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.
5. [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.

### Relm Insurance

6. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
7. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
8. [Casualty Insurance](https://relminsurance.com/lines-of-business/casualty-insurance/). Relm Insurance; What is Excess Liability Insurance?. Accessed 2026-09-23.

### Umbrella and Excess Liability Insurance Guide

9. [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.
10. [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.

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