Newfront vs Travelers Umbrella and Excess Liability Insurance

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. ⁵Company-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. ⁹Company-reported. Commercial-umbrella product page, as read on 2026-09-23.

The reviewed Casualty page does not name an insurer for umbrella or excess placements; it describes 'strong carrier relationships' generally without naming a carrier. ⁵Not publicly disclosed. Casualty page as read on 2026-09-23; carrier depends on the specific placement.

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. ⁹Not publicly disclosed. Commercial-umbrella page as read on 2026-09-23.

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. ⁵Company-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. ⁹Company-reported. Commercial-umbrella page, including its small-business FAQ answer.

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. ⁵Company-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. ⁹Company-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. ⁹Company-reported. Umbrella benefits section and FAQ; specific exclusions depend on the policy as issued.

Newfront's Casualty page does not publish umbrella or excess limit options; it describes program structuring (guaranteed cost, large deductible, self-insurance, captive) as a service rather than stating specific limit tiers. ⁵Not publicly disclosed. Placement Expertise section; no limits schedule available.

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. ⁹Company-reported. Commercial-umbrella cost section and benefits list.

Newfront says its Casualty team provides predictive analytics and benchmarking, claims advocacy, and integrated risk control to reduce claim frequency and total cost of risk, which the page frames as relevant across the casualty coverages it places, including umbrella/excess. ⁵Company-reported. Our Approach and The Newfront Difference sections.

Not described in the reviewed sources.

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. ⁵Company-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. ⁹Company-reported. Umbrella FAQ 'How do I buy umbrella insurance?' and video transcript.