Travelers vs 
Zurich U.S.: How Do They Compare for Umbrella and Excess Liability Insurance?
Travelers’ commercial-umbrella page accessed 2026-09-23 says umbrella typically starts at $1 million and unsupported monoline limits can reach $25 million; it also describes separate umbrella, excess, and Northfield paths. Zurich’s page accessed 2026-09-28 describes a joint claims-made facility shared with Chubb and National Indemnity, with up to $100 million in capacity. 4,7
What Is Travelers Insurance?
Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. 1,2,3
Read the Travelers Umbrella and Excess Liability Insurance page
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 5,6
Read the Zurich U.S. Umbrella and Excess Liability Insurance page
What Is Umbrella and Excess Liability Insurance?
Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. 8,9,10,11,12
Key Differences in Umbrella and Excess Liability Insurance
Limits and Product Paths
Travelers’ commercial-umbrella page accessed 2026-09-23 says umbrella typically starts at $1 million in $1 million increments and that unsupported (monoline) limits can reach $25 million; it does not publish a maximum for its excess or Northfield paths. Zurich’s page accessed 2026-09-28 describes up to $100 million in claims-made excess casualty capacity through a facility shared with Chubb and National Indemnity. These figures describe distinct forms; compare the quoted trigger and attachment. 4 7
Underlying Insurer and Facility Participants
Travelers describes A/B umbrella, excess liability, and Northfield excess-and-surplus-lines paths for hard-to-place risks. Zurich describes a claims-made facility shared with Chubb and National Indemnity. These are different placement routes; ask Travelers which option fits the risk and Zurich which participant would issue the facility layer over your existing program. 4 7
What to Confirm in Umbrella and Excess Liability Insurance Quotes
Travelers and Zurich U.S. Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Travelers Review Score
Review Score
3 rated sources
Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance.[1][2][4][5][6][7]
Read Travelers reviewsZurich U.S. Review Score
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsTravelers vs Zurich U.S. Umbrella and Excess Liability Compared
Travelers vs Zurich U.S.: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Travelers Commercial Umbrella and Excess Liability Insurance | Zurich Commercial Umbrella and Excess Liability |
|---|---|---|
| Role in This Line | 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. 4Company-reported. Commercial-umbrella product page, as read on 2026-09-23. | Confirm in your quote. |
| Issuing Insurer | 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. 4Not publicly disclosed. Commercial-umbrella page as read on 2026-09-23. | Confirm in your quote. |
| Who It’s For | 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. 4Company-reported. Commercial-umbrella page, including its small-business FAQ answer. | Confirm in your quote. |
| Coverage Features | 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. 4Company-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. 4Company-reported. Umbrella benefits section and FAQ; specific exclusions depend on the policy as issued. | Zurich Commercial Umbrella combines Coverage A follow-form excess liability and Coverage B lead umbrella liability. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. Zurich’s Excess Claims Made Facility offers up to $100 million in claims-made excess casualty coverage and may consider customized wording; it is a joint Zurich, Chubb and National Indemnity facility. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Facility capacity and terms are shared among Zurich, Chubb and Berkshire Hathaway National Indemnity; do not attribute the whole facility solely to Zurich. |
| Limits and Retentions | 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. 4Company-reported. Commercial-umbrella cost section and benefits list. | Coverage C Casualty Business Crisis Expense reimburses emergency expenses up to $250,000. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| How to Apply | 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. 4Company-reported. Umbrella FAQ 'How do I buy umbrella insurance?' and video transcript. | Confirm in your quote. |
Related Pages for Travelers vs Zurich U.S.
Umbrella and Excess Liability Pages for Travelers and Zurich U.S.
Other Coverage Lines Compared for Travelers vs Zurich U.S.
Other Umbrella and Excess Liability Insurance Provider Comparisons
Sources for Travelers vs Zurich U.S.
Sources About 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.
Sources About Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Commercial Umbrella Insurance Coverage | Zurich Insurance. Zurich U.S.; Umbrella and excess coverage forms, crisis expense limit, excess claims-made facility. Accessed 2026-09-28.
Sources for the 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.
- Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
