Travelers Umbrella and Excess Liability Insurance
Travelers Commercial Umbrella and Excess Liability Insurance
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. 1Company-reported. Commercial-umbrella product page, as read on 2026-09-23.
Issuing Insurer
Not publicly disclosed. 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. 1Commercial-umbrella page as read on 2026-09-23.
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. 1Company-reported. Commercial-umbrella page, including its small-business FAQ answer.
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. 1Company-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. 1Company-reported. Umbrella benefits section and FAQ; specific exclusions depend on the policy as issued.
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. 1Company-reported. Commercial-umbrella cost section and benefits list.
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. 1Company-reported. Umbrella FAQ 'How do I buy umbrella insurance?' and video transcript.
Travelers Umbrella and Excess Liability Insurance Compared
Other Travelers Coverage Lines
Sources
- 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.
