Newfront vs 
Zurich U.S.: How Do They Compare for Umbrella and Excess Liability Insurance?
What Is Newfront?
Newfront suits growing and enterprise businesses seeking specialist insurance and benefits teams plus Navigator policy tools; small firms wanting an instant direct quote should compare online carriers. Its Partner Management tool is included in client service agreements. 1,2,3,4
Read the Newfront Umbrella and Excess Liability Insurance page
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 6,7
Read the Zurich U.S. Umbrella and Excess Liability Insurance page
What Is Umbrella and Excess Liability Insurance?
Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. 9,10,11,12,13
Key Differences in Umbrella and Excess Liability Insurance
Placement Structure and Policy Terms
Newfront places umbrella and excess through its Casualty practice, negotiating structure and terms with carriers but not publishing attachment points or underlying-policy requirements. Zurich’s Commercial Umbrella identifies Coverage A as follow-form excess and Coverage B as lead umbrella liability. Ask Newfront for the proposed carrier’s forms and attachment schedule, then compare them with the specific Zurich sections being quoted. 5 8
Published Limits and Attachment Terms
Newfront’s Casualty page does not publish umbrella or excess limit options or attachment points. Zurich’s separate joint facility page accessed 2026-09-28 describes claims-made casualty capacity up to $100 million and may consider custom wording. That facility is not the same as Zurich’s Commercial Umbrella Coverage A/B; ask Newfront for quoted capacity and Zurich which product and trigger apply. 5 8
What to Confirm in Umbrella and Excess Liability Insurance Quotes
Newfront and Zurich U.S. Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Newfront Review Score
Review Score
1 rated source
Newfront has too little firmwide customer feedback for a reliable review verdict. An individual agent’s BBB grade does not establish the wider company’s service quality.[6]
Read Newfront reviewsZurich U.S. Review Score
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsNewfront vs Zurich U.S. Umbrella and Excess Liability Compared
Newfront vs Zurich U.S.: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Newfront Umbrella/Excess Liability | Zurich Commercial Umbrella and Excess Liability |
|---|---|---|
| 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. | Confirm in your quote. |
| 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. | Confirm in your quote. |
| 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. | Confirm in your quote. |
| 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. | Zurich Commercial Umbrella combines Coverage A follow-form excess liability and Coverage B lead umbrella liability. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. Zurich’s Excess Claims Made Facility offers up to $100 million in claims-made excess casualty coverage and may consider customized wording; it is a joint Zurich, Chubb and National Indemnity facility. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Facility capacity and terms are shared among Zurich, Chubb and Berkshire Hathaway National Indemnity; do not attribute the whole facility solely to Zurich. |
| 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. | Coverage C Casualty Business Crisis Expense reimburses emergency expenses up to $250,000. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. | Confirm in your quote. |
| 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. | Confirm in your quote. |
Related Pages for Newfront vs Zurich U.S.
Umbrella and Excess Liability Pages for Newfront and Zurich U.S.
Other Coverage Lines Compared for Newfront vs Zurich U.S.
Other Umbrella and Excess Liability Insurance Provider Comparisons
Sources for Newfront vs Zurich U.S.
Sources About 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.
Sources About Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Commercial Umbrella Insurance Coverage | Zurich Insurance. Zurich U.S.; Umbrella and excess coverage forms, crisis expense limit, excess claims-made facility. Accessed 2026-09-28.
Sources for the 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.
- Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
