---
title: "Newfront vs Risklytics Umbrella and Excess Liability Insurance"
description: "Newfront negotiates casualty umbrella in guaranteed-cost or captive structures; Risklytics places $1–10 million extra limits often driven by $5 million MSAs."
canonical: "https://spot.insure/compare/newfront-vs-risklytics/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# Newfront vs Risklytics Umbrella and Excess Liability Insurance

Newfront negotiates casualty umbrella in guaranteed-cost or captive structures; Risklytics places $1–10 million extra limits often driven by $5 million MSAs.

## Research Scope and Use

Use this comparison to evaluate Newfront and Risklytics 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 for construction, manufacturing, technology and life science and describes guaranteed-cost, deductible, self-insurance and captive options. Risklytics places Extra Limits (Umbrella) with outside carriers, typically $1 million to $10 million, often when an enterprise MSA or site owner asks for $5 million or more, and says the layer rarely sits over Tech E&O. [5](https://www.newfront.com/casualty-insurance "Casualty") [9](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) 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 Risklytics Insurance?

Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") [7](https://www.risklytics.ai/ "Insurance for Frontier Tech") [8](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## 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. [11](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [12](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

### What Sits Under the Layer

Newfront places umbrella and excess through its Casualty practice rather than underwriting, and that practice negotiates placement structure and terms with carriers. Risklytics describes itself as a licensed producer that places Extra Limits (Umbrella) with outside carriers and does not underwrite. [5](https://www.newfront.com/casualty-insurance "Casualty") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") [9](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance")

Newfront lists umbrella/excess as a key coverage beside general liability, product liability, auto liability and workers’ compensation, without describing specific attachment points. Risklytics describes stacking extra limits commonly over general liability, commercial auto and employer’s liability when a contract demands higher limits than the primary, and says the layer rarely sits over Tech E&O. [5](https://www.newfront.com/casualty-insurance "Casualty") [9](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance")

### Limit Figures Versus Program Structure

Risklytics lists a typical ask of $1 million to $10 million and says the usual trigger is often an enterprise MSA or a site owner asking for $5 million or more. Newfront’s Casualty page does not publish umbrella limit options; it describes guaranteed cost, large deductible, self-insurance and captive structuring as a service. [9](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [5](https://www.newfront.com/casualty-insurance "Casualty")

### How You Start

You engage Newfront by requesting a consultation led by Frannie Epps; the page does not describe an online quote or bind flow. You start Risklytics Extra Limits through an online application; Risklytics says there is no broker fee on top of the premium and a producer Risklytics describes as licensed stays on the file until bind. [5](https://www.newfront.com/casualty-insurance "Casualty") [10](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

## 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 Risklytics whether Tech E&O can sit under extra limits if that is a primary. [9](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance")
- Compare the quoted limit with Risklytics’ $1–10 million typical range and any $5 million site-owner ask. [9](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance")
- Confirm issuing carriers on both placements. [9](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [5](https://www.newfront.com/casualty-insurance "Casualty")

## Offering Details

| Criteria | Newfront Umbrella/Excess Liability | Risklytics Extra Limits (Umbrella) 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..) | 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. [6](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..) |
| 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..) | 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](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| 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..) | 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. [9](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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..) | 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. [9](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| 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..) | Risklytics lists a typical ask of $1 million to $10 million stacked on top of a client's other policies for this line. [9](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| 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..) | Risklytics says this line “needs the right insurers” because umbrella capacity follows the strength of the underlying policies it sits above. [9](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. [5](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. [10](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [6](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..) |

## Full Comparison

- [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 and excess liability insurance can add limits above the underlying policies it lists, subject to its coverage terms.
- [Newfront vs Risklytics Commercial Property Insurance](https://spot.insure/compare/newfront-vs-risklytics/commercial-property)
- [Newfront vs Risklytics Cyber Insurance](https://spot.insure/compare/newfront-vs-risklytics/cyber)
- [Newfront vs Risklytics D&O Insurance](https://spot.insure/compare/newfront-vs-risklytics/directors-officers)
- [Newfront vs Risklytics General Liability Insurance](https://spot.insure/compare/newfront-vs-risklytics/general-liability)
- [Newfront vs Risklytics Tech E&O Insurance](https://spot.insure/compare/newfront-vs-risklytics/technology-errors-omissions)
- [Newfront vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/newfront-vs-risklytics/workers-compensation)
- [Alliance Risk vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/umbrella-excess)
- [Alliance Risk vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/umbrella-excess)
- [Amelia Risk vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/umbrella-excess)
- [Amelia Risk vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/umbrella-excess)
- [CFC vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-newfront/umbrella-excess)
- [CFC vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-risklytics/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.

### Risklytics

6. [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.
7. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
8. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
9. [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.
10. [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.

### Umbrella and Excess Liability Insurance Guide

11. [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.
12. [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 2026-09-24. 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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