Newfront vs 
TechInsurance Umbrella and Excess Liability Insurance
Newfront negotiates casualty umbrella in guaranteed-cost or captive structures; TechInsurance sells $1 million-increment add-ons with a median monthly cost.
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. 1,2,3,4
What Is TechInsurance?
TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. 6,7
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. 9,10
Key Differences in Umbrella and Excess Liability Insurance
Negotiated Casualty Structure Versus a Metered Add-On
Newfront places umbrella and excess through its Casualty practice rather than underwriting, and that practice negotiates placement structure and terms with carriers. TechInsurance arranges commercial umbrella as an add-on that increases limits across existing general liability, employer’s liability or commercial auto policies and is not sold as a standalone policy. 5 8
Newfront lists umbrella/excess as a key coverage beside general liability, product liability, auto liability and workers’ compensation, without describing specific attachment points. TechInsurance says the layer boosts those liability lines in $1 million increments once the underlying limit is exhausted, and distinguishes umbrella over multiple policies from excess that boosts only one policy, usually E&O or general liability. 5 8
Price and Limit Structure
TechInsurance cites a median of $86 per month for each $1 million of additional coverage. Newfront does not publish premiums or limit tiers; it describes guaranteed cost, large deductible, self-insurance and captive structuring as a service. 8 5
Who Each Names
TechInsurance says the product is especially relevant for businesses required to carry more than $2 million of liability or that face high liability risk such as a storefront, and requires an active underlying policy to remain valid. Newfront says its Casualty team protects companies of every size and lists construction, manufacturing, technology and life science. 8 5
Exclusions on the TechInsurance Form
TechInsurance says the layer does not cover property damage or intentional criminal acts such as employee theft. Newfront’s reviewed Casualty page does not list those exclusions. TechInsurance’s reviewed page does not name the issuing insurer. 8 5
What to Confirm in Umbrella and Excess Liability Insurance Quotes
- Ask TechInsurance whether you need umbrella over several policies or excess over one, including E&O. 8
- Ask Newfront whether the umbrella sits in a guaranteed-cost, deductible, self-insured or captive structure. 5
- Compare TechInsurance’s per-million median with Newfront’s quoted premium. 8 5
- Confirm property-damage and employee-theft treatment on the TechInsurance form. 8
Offering Details
Newfront vs TechInsurance Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Newfront Umbrella/Excess Liability | TechInsurance Commercial 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. 5Company-reported. Casualty page Our Approach and Key Coverages sections. | TechInsurance arranges commercial umbrella insurance as an add-on policy that increases liability limits across a buyer's existing general liability, employer's liability, or commercial auto policies; it is not sold as a standalone policy. 8Company-reported. Umbrella insurance product page. |
| 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. 5Not publicly disclosed. Casualty page as read on 2026-09-23; carrier depends on the specific placement. | The reviewed page does not name the issuing insurer for an umbrella policy. 8Not publicly disclosed. Umbrella insurance product page as read on 2026-09-23. |
| 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. 5Company-reported. Casualty page intro and Areas of Expertise list. | TechInsurance says umbrella coverage is especially relevant for businesses required to carry liability limits higher than $2 million or that face high liability risk, such as a storefront, and requires an active underlying policy to remain valid. 8Company-reported. Umbrella insurance product 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. 5Company-reported. Casualty page Key Coverages list; no policy form reviewed. | TechInsurance says umbrella coverage boosts liability limits in $1 million increments across general liability, employer's liability and commercial auto policies, paying for costs once the underlying policy's limit is exhausted, but it does not cover property damage or intentional criminal acts like employee theft. 8Company-reported. Umbrella insurance product page; general policy description, not a specific policy form. TechInsurance distinguishes umbrella insurance, which can extend liability protection over multiple underlying policies, from excess liability insurance, which it says boosts the limit of only one policy (usually E&O or general liability). 8Company-reported. Umbrella insurance product page, How is umbrella liability insurance different from excess liability insurance? section. |
| 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. 5Not publicly disclosed. Placement Expertise section; no limits schedule available. | TechInsurance says commercial umbrella coverage costs a median of $86 per month for each $1 million of additional coverage, with the exact premium depending on business size, location, industry risk, claims history, employee count and number of company vehicles. 8Company-reported. Umbrella insurance product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| 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. 5Company-reported. Our Approach and The Newfront Difference sections. | Not described in the reviewed sources. |
| 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. 5Company-reported. Casualty page call-to-action and Leadership section. | Not described in the reviewed sources. |
Full Comparison
More Newfront vs TechInsurance Comparisons
Other Umbrella and Excess Liability Insurance Comparisons
Sources
Newfront
- Business Insurance. Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
- Employee Benefits. Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
- WTW Completes Acquisition Of Newfront. WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
- Casualty. 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.
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Commercial Umbrella Liability Insurance. TechInsurance; What does commercial umbrella insurance cover?; How much does umbrella insurance cost?; How does business umbrella insurance work for small businesses?; How is umbrella liability insurance different from excess liability insurance? Accessed 2026-09-23.
Umbrella and Excess Liability Insurance Guide
- 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.
- Commercial Insurance Guide. 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.
