--- title: "HUB International vs Travelers Umbrella and Excess Liability Insurance" description: "HUB brokers multi-industry casualty umbrella; Travelers underwrites A/B umbrella, excess and Northfield surplus-lines with published increment limits." canonical: "https://spot.insure/compare/hub-international-vs-travelers/umbrella-excess" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-travelers/umbrella-excess) # 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. ## Research Scope and Use Use this comparison to evaluate HUB International and Travelers for Umbrella and Excess Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary HUB places umbrella and excess with outside insurers through casualty and does not publish limit figures. Travelers underwrites three commercial paths, typically from $1 million in $1 million steps, and can write unsupported monoline policies up to $25 million, usually bought from the same insurer that holds the primary. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") ## 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](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [6](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [7](https://www.travelers.com/contact-us "Contact Us") [Travelers profile](https://spot.insure/insurance-providers/travelers) ## 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](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") ## 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](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") 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](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") ### 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](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") 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](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") ### 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](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") ## 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](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") - Ask HUB which casualty industries and claims or litigation support apply. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") - Compare drop-down or broader-than-primary wording on Travelers with the form HUB obtains from its market. [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") - Confirm uninsured-motorist treatment on the Travelers option. [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") ## Offering Details | 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not found in reviewed sources; scope: 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. [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Not publicly disclosed; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not publicly disclosed; scope: 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. [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [8](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Company-reported; scope: Umbrella FAQ 'How do I buy umbrella insurance?' and video transcript..) | ## Full Comparison - [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers): all coverage lines, business roles, service and claims. - [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella and excess liability insurance can add limits above the underlying policies it lists, subject to its coverage terms. - [HUB International vs Travelers Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-travelers/business-owners-policy) - [HUB International vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-travelers/cargo-transit) - [HUB International vs Travelers Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-travelers/commercial-auto) - [HUB International vs Travelers Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-travelers/commercial-property) - [HUB International vs Travelers Crime Insurance](https://spot.insure/compare/hub-international-vs-travelers/crime) - [HUB International vs Travelers Cyber Insurance](https://spot.insure/compare/hub-international-vs-travelers/cyber) - [HUB International vs Travelers D&O Insurance](https://spot.insure/compare/hub-international-vs-travelers/directors-officers) - [HUB International vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/employment-practices) - [HUB International vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-travelers/equipment-breakdown) - [HUB International vs Travelers Fidelity Bonds](https://spot.insure/compare/hub-international-vs-travelers/fidelity-bonds) - [HUB International vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/fiduciary) - [HUB International vs Travelers General Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/general-liability) - [HUB International vs Travelers Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-travelers/inland-marine) - [HUB International vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-travelers/kidnap-ransom) - [HUB International vs Travelers Management Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/management-liability) - [HUB International vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-travelers/professional-errors-omissions) - [HUB International vs Travelers Surety Bonds](https://spot.insure/compare/hub-international-vs-travelers/surety-bonds) - [HUB International vs Travelers Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-travelers/technology-errors-omissions) - [HUB International vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-travelers/workers-compensation) - [Alliance Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/umbrella-excess) - [Alliance Risk vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/umbrella-excess) - [Amelia Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/umbrella-excess) - [Amelia Risk vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/umbrella-excess) - [CFC vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/umbrella-excess) - [CFC vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-travelers/umbrella-excess) ## Sources ### HUB International 1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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. 4. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). 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 5. [Technology Insurance](https://www.travelers.com/business-insurance/technology). 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. 6. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). 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. 7. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 8. [Commercial Umbrella and Excess Liability Insurance](https://www.travelers.com/business-insurance/commercial-umbrella). 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 9. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/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. 10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-travelers/umbrella-excess.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)