Newfront vs 
Risklytics: How Do They Compare for Umbrella and Excess Liability Insurance?
Risklytics lists a typical request of $1 million to $10 million and starts through an online application; Newfront starts with a consultation request through its Casualty practice, led by Frannie Epps.
Risklytics is the quick fix when an enterprise contract or site owner demands $5 million or more: you apply online for $1 million to $10 million with no broker fee. Newfront suits construction, manufacturing, tech and life-science companies building a larger casualty program, including deductible or captive structures. 2,1
What Are the Key Differences Between Newfront and Risklytics Umbrella and Excess Liability Insurance?
Online Application Versus a Consultation
Risklytics starts with an online application for its Extra Limits (Umbrella). It says there's no broker fee on top of the premium, and one licensed producer stays with your file until the policy is bound. Newfront has no online quote; you request a consultation with its Casualty practice, led by Frannie Epps, which negotiates structure and terms with insurers. Choose Risklytics if you need to satisfy an MSA or site-owner limit quickly; choose Newfront if umbrella is one piece of a bigger casualty program you want designed. 1 4 3
What the Layer Sits On
Risklytics usually stacks extra limits over general liability, commercial auto and employer's liability. It says the layer rarely sits over Tech E&O, so tech firms shouldn't expect it to raise their professional liability limit. Newfront groups umbrella with general, product and auto liability and workers' comp, and doesn't describe where the layer attaches. 1 2
How Costs Are Structured
Newfront offers guaranteed-cost, large-deductible, self-insured and captive arrangements, which let bigger companies trade premium for retained risk. Risklytics publishes a typical limit range but no program structures. Both place with outside insurers rather than writing the policy. 2 1
What Should You Confirm in Newfront and Risklytics Umbrella and Excess Liability Insurance Quotes?
- Ask Newfront whether your umbrella is guaranteed-cost, deductible, self-insured or captive, and what you'd retain. 1
- If Tech E&O is one of your primary policies, ask Risklytics whether extra limits can sit above it. 2
- Check the quoted limit against what your contract or site owner actually requires. 2
- Ask both which insurer issues the policy. 2 1
Newfront vs Risklytics Umbrella and Excess Liability Compared
Newfront vs Risklytics: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Newfront Umbrella/Excess Liability | Risklytics Extra Limits (Umbrella) 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. | 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. 2Company-reported. Lines page. |
| 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. | 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. 4,3Company-reported. Pricing page describes the general application and fee process, not a line-specific form. |
| 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. | 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. 2Company-reported. Lines page; the issued policy and declarations control actual coverage. |
| 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. | 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. 3Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line. |
| 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. 1Company-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. 2Company-reported. Lines page. |
