Newfront vs Risklytics Umbrella and Excess Liability Insurance

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. ⁵Company-reported. Casualty page Our Approach and Key Coverages sections.

Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Extra Limits (Umbrella) Insurance with outside carriers; it says it does not underwrite policies itself. ⁶Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.

The reviewed Casualty page does not name an insurer for umbrella or excess placements; it describes 'strong carrier relationships' generally without naming a carrier. ⁵Not publicly disclosed. Casualty page as read on 2026-09-23; carrier depends on the specific placement.

Risklytics does not name the carrier that underwrites Risklytics Extra Limits (Umbrella) Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. ^9,6Company-reported. Lines page and about page; no specific insurer is published for this line.

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. ⁵Company-reported. Casualty page intro and Areas of Expertise list.

Risklytics says the usual trigger is the first contract demanding more liability coverage than the primary policy carries, often an enterprise master service agreement or a site owner asking for $5 million or more. ⁹Company-reported. Lines page.

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. ⁵Company-reported. Casualty page Key Coverages list; no policy form reviewed.

Risklytics describes this line as stacking extra liability limits, commonly over general liability, commercial auto and employer's liability, on top of a primary policy when a contract demands higher limits than the primary carries, and says it rarely sits over Tech E&O. ⁹Company-reported. Lines page; the issued policy and declarations control actual coverage.

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. ⁵Not publicly disclosed. Placement Expertise section; no limits schedule available.

Risklytics lists a typical ask of $1 million to $10 million stacked on top of a client's other policies for this line. ⁹Company-reported. Lines page; actual limits are set on the bound policy.

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. ⁵Company-reported. Our Approach and The Newfront Difference sections.

Risklytics says this line “needs the right insurers” because umbrella capacity follows the strength of the underlying policies it sits above. ⁹Company-reported. Lines page.

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. ⁵Company-reported. Casualty page call-to-action and Leadership section.

You start Risklytics Extra Limits (Umbrella) Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^10,6Company-reported. Pricing page describes the general application and fee process, not a line-specific form.