HUB International vs Travelers: How Do They Compare for Umbrella and Excess Liability Insurance?

HUB International brokers it through a casualty practice spanning transportation, construction and healthcare; Travelers underwrites umbrella typically from $1 million, up to $25 million on unsupported policies.

Travelers writes the umbrella itself, from $1 million up to $25 million, and usually wants your primary policies too. HUB International shops the layer across insurers for industries like transportation and construction and publishes no limits. ^2,¹

What Are the Key Differences Between HUB International and Travelers Umbrella and Excess Liability Insurance?

One Insurer Versus Many

Travelers usually sells the umbrella to businesses whose primary policies are already with Travelers, and may require you to keep certain primary limits there. You buy through a Travelers independent agent. HUB has relationships with many insurers, so you can keep your primaries where they are and have HUB shop the layer. Choose Travelers if your GL and auto are already there or you're a small business wanting a simple A/B umbrella; choose HUB if you're in transportation, construction, healthcare, hospitality, manufacturing and distribution, or real estate and want insurers compared. ² ¹

Limits and Hard-to-Place Risks

Travelers publishes its limit structure: $1 million steps, up to $25 million even as a standalone policy. It says the umbrella replaces exhausted primary limits and can cover some losses your primary doesn't. With several past claims, thin loss history or an unusual business, Travelers routes you to its Northfield unit for harder risks. HUB publishes no limits but adds risk-services, claims, litigation and analytics support across your casualty program. ² ¹

What Should You Confirm in HUB International and Travelers Umbrella and Excess Liability Insurance Quotes?

Ask whether a Travelers quote is A/B umbrella, excess or Northfield, and whether your primary must stay with Travelers. ²
Ask HUB which insurer issues the layer and whether its claims and litigation support covers it. ¹
Compare drop-down and broader-than-primary wording on Travelers' form with HUB's. ² ¹
Ask Travelers how the umbrella treats uninsured-motorist claims. ²

HUB International vs Travelers Umbrella and Excess Liability Compared

HUB International vs Travelers: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	HUB International Umbrella and Excess Liability Insurance Brokerage	Travelers Commercial Umbrella and Excess Liability Insurance
Who It’s For	HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. ¹Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria.	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. ²Company-reported. Commercial-umbrella page, including its small-business FAQ answer.
Coverage Features	HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. ¹Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.	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. ²Company-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. ²Company-reported. Umbrella benefits section and FAQ; specific exclusions depend on the policy as issued.
Role in This Line	HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. ¹Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer.	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. ²Company-reported. Commercial-umbrella product page, as read on 2026-09-23.

Criteria

HUB International Umbrella and Excess Liability Insurance Brokerage

Travelers Commercial Umbrella and Excess Liability Insurance

Who It’s For

HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. ¹Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria.

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. ²Company-reported. Commercial-umbrella page, including its small-business FAQ answer.

Coverage Features

HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. ¹Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.

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. ²Company-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. ²Company-reported. Umbrella benefits section and FAQ; specific exclusions depend on the policy as issued.

Role in This Line

HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. ¹Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer.

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. ²Company-reported. Commercial-umbrella product page, as read on 2026-09-23.