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

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

## Agent Guide

**What this page is:** Focused comparison of Newfront and Relm Insurance 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 Newfront versus Relm Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: Newfront and Relm Insurance.
- 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:**
- [Newfront vs Relm Insurance](https://spot.insure/compare/newfront-vs-relm) — all coverage lines for this pair
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — how this coverage works
- [Newfront profile](https://spot.insure/insurance-providers/newfront) — provider profile
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile

# 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 design a casualty program, captives included; Relm's excess is reached through your broker and aims at energy, transportation and manufacturing firms with big fleets or contracts.

## Newfront vs Relm Insurance Umbrella and Excess Liability Insurance Summary

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](https://www.newfront.com/casualty-insurance "Casualty") [2](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## 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](https://www.newfront.com/casualty-insurance "Casualty") [2](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

### 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](https://www.newfront.com/casualty-insurance "Casualty") [2](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## 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](https://www.newfront.com/casualty-insurance "Casualty")
- Ask your broker whether Relm writes excess for your industry and fleet size. [2](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- Get each side's recommended limit in writing, with the reasoning. [1](https://www.newfront.com/casualty-insurance "Casualty") [2](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- Ask which insurer issues each layer; neither page names one. [1](https://www.newfront.com/casualty-insurance "Casualty") [2](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## Newfront vs Relm Insurance Umbrella and Excess Liability Compared

| 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. [1](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. [2](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..) |
| 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. [1](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. [2](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..) |
| 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. [1](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. [2](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..) |
| 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. [1](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. [2](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..) |

## About Newfront and Relm Insurance and Umbrella and Excess Liability

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

## Related Pages for Newfront vs Relm Insurance

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

## Sources for Newfront vs Relm Insurance

### Sources About Newfront

1. [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.

### Sources About Relm Insurance

2. [Casualty Insurance](https://relminsurance.com/lines-of-business/casualty-insurance/). Relm Insurance; What is Excess Liability Insurance?. 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

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