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

Newfront places it through its Casualty practice, negotiating structure and terms with carriers; Travelers underwrites umbrella typically from $1 million, up to $25 million on unsupported policies.

Travelers writes umbrella itself from $1 million up to $25 million, with a separate option for businesses other insurers turn down over prior claims or unusual operations. Newfront is a broker whose casualty team designs the program, including large deductibles, self-insurance or a captive. ^2,¹

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

Insurer With Published Options Versus Broker-Designed Program

A company with several past claims that has been declined elsewhere has a named route at Travelers: its Northfield line takes hard-to-place risks, such as multiple prior claims, little loss history or an unusual classification. Alongside that sit an A/B umbrella and an excess policy over general, auto and employer's liability. Newfront doesn't write policies; its Casualty practice negotiates with insurers and can structure your program as guaranteed cost, large deductible, self-insurance or a captive. Choose Travelers if you want a known insurer or have been turned down elsewhere; choose Newfront if your casualty spend is large enough that deductibles or a captive could save money. ¹ ²

Limits and Coverage Terms

Travelers is specific: umbrella usually starts at $1 million and rises in $1 million steps, and it can write standalone policies up to $25 million without its own primary underneath. It can replace exhausted primary limits and cover some losses the primary doesn't, though some uninsured-motorist exposures may be excluded. Newfront publishes no limits or terms; it lists umbrella alongside general, product and auto liability and workers' comp. ² ¹

Who You Work With

Travelers says you usually buy an umbrella from the insurer holding your primary policies, through a Travelers independent agent. Newfront starts with a consultation with its Casualty practice, led by Frannie Epps. ² ¹

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

Ask your Travelers agent whether the quote is A/B umbrella, excess or Northfield, and whether your primary policies must move to Travelers. ²
Ask Travelers how uninsured-motorist claims are treated. ²
Ask Newfront which insurer issues the umbrella and which structure it recommends for your size. ¹

Newfront vs Travelers Umbrella and Excess Liability Insurance Compared

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

Criteria	Newfront Umbrella/Excess Liability	Travelers Commercial Umbrella and Excess Liability Insurance
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. ¹Company-reported. Casualty page intro and Areas of Expertise list.	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.
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. ¹Company-reported. Casualty page call-to-action and Leadership section.	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. ²Company-reported. Umbrella FAQ 'How do I buy umbrella insurance?' and video transcript.
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. ¹Company-reported. Casualty page Key Coverages list; no policy form reviewed.	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	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. ¹Company-reported. Casualty page Our Approach and Key Coverages sections.	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.