CFC vs 
Travelers: How Do They Compare for Umbrella and Excess Liability Insurance?
Travelers writes umbrella up to $25 million for standalone umbrella over auto, GL or employer liability, sometimes without its own primary policies; CFC adds excess over professional or cyber while letting buyers keep another primary insurer.
Travelers is the choice for big limits over auto, general and employer's liability, up to $25 million even without its own primary policies underneath, though it usually expects your primary cover too. CFC is the choice if you need extra professional liability or cyber limit and want to keep your current primary insurer. 3,1
What Are the Key Differences Between CFC and Travelers Umbrella and Excess Liability Insurance?
Whether You Have to Move Your Primary Policies
Travelers says buyers usually get the umbrella from the insurer holding their primary cover, and it may require certain primary limits to stay with Travelers. CFC will write the excess whether your primary is with CFC or someone else, and aims at small and micro businesses. Choose Travelers if you run vehicles or employ staff and want $1 million to $25 million in $1 million steps through an independent agent; choose CFC if you're a small tech or professional firm whose contract calls for higher errors and omissions or cyber limits. 3 1
Options for Hard-to-Place Risks
Travelers has three routes: an umbrella that can broaden coverage, straight excess that only adds limit, and Northfield for hard-to-place businesses that standard policies won't take. It also says an umbrella may cover some losses your primary doesn't, but not every risk, such as some uninsured-motorist exposure. CFC has one excess product, publishes no maximum limit and asks you to contact it. 3 1
What Should You Confirm in CFC and Travelers Umbrella and Excess Liability Insurance Quotes?
CFC vs Travelers Umbrella and Excess Liability Insurance Compared
CFC vs Travelers: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | CFC Umbrella Cover | Travelers Commercial Umbrella and Excess Liability Insurance |
|---|---|---|
| Who It’s For | CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. 1Company-reported. Umbrella cover product page; specific eligibility for a given business depends on underwriting. | Travelers says commercial umbrella and excess coverage is available across all industries, and separately markets its A/B Umbrella product to small businesses as part of its small-business insurance solutions. 3Company-reported. Commercial-umbrella page, including its small-business FAQ answer. |
| How to Apply | The umbrella cover page directs interested businesses to contact CFC directly rather than describing an online quote or indication tool. 1Company-reported. Umbrella cover product page call to action. | Travelers says an umbrella policy is usually purchased from the same insurer holding a buyer's primary coverage, which may require maintaining certain primary liability limits with Travelers first, and directs buyers to a Travelers independent agent to get started. 3Company-reported. Umbrella FAQ 'How do I buy umbrella insurance?' and video transcript. |
| Coverage Features | CFC says it will provide this excess layer regardless of whether the underlying primary policy is placed with CFC or with another insurer. 1Company-reported. Umbrella cover product page. | Travelers describes three coverage paths: A/B umbrella, excess liability, and Northfield excess-and-surplus-lines coverage for hard-to-place risks such as businesses with multiple prior claims, limited loss history or an unusual classification. 3Company-reported. Commercial-umbrella page's solutions list and Northfield FAQ answer. Travelers says the policy increases limits above standard primary policies, can replace exhausted primary limits, and can offer broader coverage than the underlying policies for certain losses, but that it does not cover all legal risk, such as some instances of uninsured-motorist exposure. 3Company-reported. Umbrella benefits section and FAQ; specific exclusions depend on the policy as issued. |
| Role in This Line | CFC sells an umbrella (excess) policy that sits above a business's primary professional liability, general liability, or cyber policy, or any combination of the three, in a single excess policy. 1Company-reported. Umbrella cover product page description of what the policy tops up. | Travelers underwrites commercial umbrella and excess liability coverage as a supplemental policy layered on top of a buyer's existing general liability, auto liability and employer's liability policies, sold through three product options rather than one single form. 3Company-reported. Commercial-umbrella product page, as read on 2026-09-23. |
