---
title: "Newfront vs Travelers Umbrella and Excess Liability Insurance"
description: "Newfront brokers casualty umbrella with captive and deductible structures; Travelers underwrites A/B umbrella, excess and Northfield surplus-lines."
canonical: "https://spot.insure/compare/newfront-vs-travelers/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/newfront-vs-travelers/umbrella-excess)

# Newfront vs Travelers Umbrella and Excess Liability Insurance

Newfront brokers casualty umbrella with captive and deductible structures; Travelers underwrites A/B umbrella, excess and Northfield surplus-lines.

## Research Scope and Use

Use this comparison to evaluate Newfront 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

Newfront’s Casualty practice places umbrella and excess and describes guaranteed-cost, large-deductible, self-insurance and captive options without publishing limit tiers. 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. [5](https://www.newfront.com/casualty-insurance "Casualty") [9](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance")

## What Is Newfront?

Newfront is a business-insurance and employee-benefits brokerage that combines specialist teams with online policy-management tools. It is now part of WTW. [1](https://www.newfront.com/business-insurance "Business Insurance") [2](https://www.newfront.com/total-rewards "Employee Benefits") [3](https://www.newfront.com/navigator "Newfront Navigator") [4](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront")

[Newfront profile](https://spot.insure/insurance-providers/newfront)

## 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. [6](https://www.travelers.com/business-insurance/technology "Technology Insurance") [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [8](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. [10](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [11](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 Form Set

Newfront places umbrella and excess through its Casualty practice rather than underwriting, and that practice negotiates placement structure and terms with carriers. 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. [5](https://www.newfront.com/casualty-insurance "Casualty") [9](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance")

Neither reviewed page names the specific issuing legal entity. Newfront describes “strong carrier relationships” without naming a carrier; Travelers’ commercial-umbrella page does not name the underwriting entity for A/B umbrella, excess or Northfield. [5](https://www.newfront.com/casualty-insurance "Casualty") [9](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance")

### Product Paths, Limits and Funding

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. Newfront lists umbrella/excess as a key coverage beside general liability, product liability, auto liability and workers’ compensation, without those three Travelers product names. [9](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [5](https://www.newfront.com/casualty-insurance "Casualty")

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. Newfront does not publish limit options; it describes guaranteed cost, large deductible, self-insurance and captive structuring as a service. Travelers also says the policy can replace exhausted primary limits and can offer broader coverage than the underlying for certain losses, while noting some uninsured-motorist exposures may not be covered. [9](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [5](https://www.newfront.com/casualty-insurance "Casualty")

Travelers says an umbrella is usually purchased from the same insurer holding the primary and directs buyers to a Travelers independent agent. You engage Newfront by requesting a consultation led by Frannie Epps; the page does not describe an online bind flow. [9](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [5](https://www.newfront.com/casualty-insurance "Casualty")

## 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 stay with Travelers. [9](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance")
- Ask Newfront whether the umbrella sits in a guaranteed-cost, deductible, self-insured or captive structure. [5](https://www.newfront.com/casualty-insurance "Casualty")
- Compare Travelers drop-down or broader-than-primary wording with the form Newfront obtains. [9](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [5](https://www.newfront.com/casualty-insurance "Casualty")
- Confirm uninsured-motorist treatment on the Travelers option. [9](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance")

## Offering Details

| Criteria | Newfront Umbrella/Excess Liability | Travelers Commercial Umbrella and Excess Liability Insurance |
| --- | --- | --- |
| 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. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: 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. [9](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 reviewed Casualty page does not name an insurer for umbrella or excess placements; it describes 'strong carrier relationships' generally without naming a carrier. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Not publicly disclosed; scope: 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. [9](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 | 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. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: 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. [9](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 | 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. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: 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. [9](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..)<br><br>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. [9](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 | 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. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Not publicly disclosed; scope: 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. [9](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 | 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. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Our Approach and The Newfront Difference sections..) | Not described in the reviewed sources. |
| 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. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: 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. [9](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

- [Newfront vs Travelers](https://spot.insure/compare/newfront-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.
- [Newfront vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/newfront-vs-travelers/cargo-transit)
- [Newfront vs Travelers Commercial Auto Insurance](https://spot.insure/compare/newfront-vs-travelers/commercial-auto)
- [Newfront vs Travelers Commercial Property Insurance](https://spot.insure/compare/newfront-vs-travelers/commercial-property)
- [Newfront vs Travelers Crime Insurance](https://spot.insure/compare/newfront-vs-travelers/crime)
- [Newfront vs Travelers Cyber Insurance](https://spot.insure/compare/newfront-vs-travelers/cyber)
- [Newfront vs Travelers D&O Insurance](https://spot.insure/compare/newfront-vs-travelers/directors-officers)
- [Newfront vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/newfront-vs-travelers/employment-practices)
- [Newfront vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/newfront-vs-travelers/equipment-breakdown)
- [Newfront vs Travelers Fidelity Bonds](https://spot.insure/compare/newfront-vs-travelers/fidelity-bonds)
- [Newfront vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/newfront-vs-travelers/fiduciary)
- [Newfront vs Travelers General Liability Insurance](https://spot.insure/compare/newfront-vs-travelers/general-liability)
- [Newfront vs Travelers Management Liability Insurance](https://spot.insure/compare/newfront-vs-travelers/management-liability)
- [Newfront vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/newfront-vs-travelers/professional-errors-omissions)
- [Newfront vs Travelers Surety Bonds](https://spot.insure/compare/newfront-vs-travelers/surety-bonds)
- [Newfront vs Travelers Tech E&O Insurance](https://spot.insure/compare/newfront-vs-travelers/technology-errors-omissions)
- [Newfront vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/newfront-vs-travelers/workers-compensation)
- [Alliance Risk vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/umbrella-excess)
- [Alliance Risk vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/umbrella-excess)
- [Amelia Risk vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/umbrella-excess)
- [Amelia Risk vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/umbrella-excess)
- [CFC vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-newfront/umbrella-excess)
- [CFC vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-travelers/umbrella-excess)

## Sources

### Newfront

1. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
2. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
3. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
4. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
5. [Casualty](https://www.newfront.com/casualty-insurance). Newfront; Key Coverages to Protect Your Business: Umbrella/Excess Liability; Our Approach: Market Intelligence, Placement Expertise, Risk Quantification & Optimization; Leadership: Frannie Epps. Accessed 2026-09-23.

### Travelers

6. [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.
7. [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.
8. [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.
9. [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

10. [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.
11. [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.

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