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

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

## Agent Guide

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

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

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: Newfront and Risklytics.
- 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 Risklytics](https://spot.insure/compare/newfront-vs-risklytics) — 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
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile

# 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 lets you apply online for $1 million to $10 million in extra limits, often to meet a $5 million contract requirement, while Newfront designs umbrella within larger casualty programs for construction, manufacturing, tech and life science.

## Newfront vs Risklytics Umbrella and Excess Liability Insurance Summary

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](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [1](https://www.newfront.com/casualty-insurance "Casualty")

## 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](https://www.newfront.com/casualty-insurance "Casualty") [4](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [3](https://www.risklytics.ai/about/ "About Risklytics: who we are")

### 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](https://www.newfront.com/casualty-insurance "Casualty") [2](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance")

### 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](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [1](https://www.newfront.com/casualty-insurance "Casualty")

## 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](https://www.newfront.com/casualty-insurance "Casualty")
- If Tech E&O is one of your primary policies, ask Risklytics whether extra limits can sit above it. [2](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance")
- Check the quoted limit against what your contract or site owner actually requires. [2](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance")
- Ask both which insurer issues the policy. [2](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [1](https://www.newfront.com/casualty-insurance "Casualty")

## Newfront vs Risklytics Umbrella and Excess Liability Compared

| 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. [1](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: 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. [2](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [3](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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. [1](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: 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. [2](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: 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. [3](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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. [1](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: 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. [2](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page..) |

## About Newfront and Risklytics and Umbrella and Excess Liability

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

## Related Pages for Newfront vs Risklytics Umbrella and Excess Liability

- [Newfront vs Risklytics](https://spot.insure/compare/newfront-vs-risklytics): 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)
- [Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/risklytics/umbrella-excess)

## Sources for Newfront vs Risklytics

### 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 Risklytics

2. [Extra Limits (Umbrella) Insurance](https://www.risklytics.ai/lines/umbrella/). Risklytics; Coverage line: Extra Limits (Umbrella); Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
3. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
4. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. 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.

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