HUB International vs 
Travelers Umbrella and Excess Liability Insurance
HUB brokers multi-industry casualty umbrella; Travelers underwrites A/B umbrella, excess and Northfield surplus-lines with published increment limits.
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 1,2,3
What Is Travelers Insurance?
Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. 5,6,7
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
Brokered Casualty Versus a Travelers Policy
HUB brokers umbrella and excess through its casualty practice rather than underwriting. Travelers underwrites commercial umbrella and excess as a supplemental policy over general liability, auto liability and employer’s liability, sold through three product options rather than one form. 4 8
HUB’s casualty page does not name the issuing insurer. Travelers’ commercial-umbrella page also does not name the specific underwriting entity for A/B umbrella, excess or Northfield. 4 8
Product Paths and Limits
Travelers describes A/B umbrella, excess liability, and Northfield excess-and-surplus-lines coverage for hard-to-place risks such as multiple prior claims, limited loss history or an unusual classification, and says coverage is available across all industries while marketing A/B umbrella to small businesses. HUB names transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate rather than those three Travelers product names. 8 4
Travelers says umbrella typically starts at $1 million and increases in $1 million increments, and that it can write unsupported monoline policies with limits up to $25 million. HUB does not publish limit amounts. Travelers also says the policy can replace exhausted primary limits and can offer broader coverage than the underlying for certain losses. 8 4
Buying Path and Surrounding Work
Travelers says an umbrella is usually purchased from the same insurer holding the primary, which may require keeping certain primary limits with Travelers, and directs buyers to a Travelers independent agent. HUB describes extensive carrier relationships and risk-services, claims, litigation and analytics across casualty programs that include umbrella. 8 4
What to Confirm in Umbrella and Excess Liability Insurance Quotes
- Ask whether a Travelers quote is A/B umbrella, excess or Northfield, and whether primary must remain with Travelers. 8
- Ask HUB which casualty industries and claims or litigation support apply. 4
- Compare drop-down or broader-than-primary wording on Travelers with the form HUB obtains from its market. 8 4
- Confirm uninsured-motorist treatment on the Travelers option. 8
Offering Details
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 |
|---|---|---|
| Role in This Line | HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. 4Company-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. 8Company-reported. Commercial-umbrella product page, as read on 2026-09-23. |
| Issuing Insurer | The casualty insurance page does not name an issuing insurer for umbrella or excess coverage; HUB places this coverage with insurers that vary by client and program. 4Not found in reviewed sources. Checked the casualty insurance page on 2026-09-23; no carrier is disclosed there. | The reviewed commercial-umbrella page does not name the specific underwriting entity for A/B umbrella, excess liability or the Northfield excess-and-surplus-lines option. 8Not publicly disclosed. Commercial-umbrella page as read on 2026-09-23. |
| 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. 4Company-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. 8Company-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. 4Company-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. 8Company-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. 8Company-reported. Umbrella benefits section and FAQ; specific exclusions depend on the policy as issued. |
| Limits and Retentions | Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. 4Not publicly disclosed. Checked the casualty insurance page on 2026-09-23; limits are set on the quote and declarations. | Travelers says umbrella coverage typically starts at $1 million and increases in $1 million increments, and that it can write unsupported (monoline) policies with limits up to $25 million for small, midsized and large organizations. It does not publish a maximum limit for excess liability or Northfield placements. 8Company-reported. Commercial-umbrella cost section and benefits list. |
| Risk Services | HUB describes a "Global Reach, Local Touch" approach built on extensive carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. 4Company-reported. Product-page service description; a company-reported capability describing the broader casualty practice, not umbrella-specific service detail. | Not described in the reviewed sources. |
| How to Apply | Not described in the reviewed sources. | 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. 8Company-reported. Umbrella FAQ 'How do I buy umbrella insurance?' and video transcript. |
Full Comparison
More HUB International vs Travelers Comparisons
Other Umbrella and Excess Liability Insurance Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Comprehensive Casualty Insurance Solutions. HUB International; Umbrella & Excess Liability section: protection for potentially catastrophic liability claim settlements and judgments; General & Product Liability section; Global Reach, Local Touch carrier-relationship description; industries served list; Connect With a HUB casualty insurance broker. Accessed 2026-09-23.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Commercial Umbrella and Excess Liability Insurance. Travelers; What are the benefits of commercial umbrella insurance?; Our commercial umbrella and excess liability solutions include: A/B umbrella, Excess liability, Excess and surplus lines: Northfield; Commercial umbrella liability insurance cost; small business FAQ answer. 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.
