Commercial Umbrella and Excess Liability Insurance
Commercial umbrella insurance covers large unexpected events that can have a devastating impact on your business, brand reputation and financial stability. While standard liability policies can help protect a company from a broad range of situations, there are certain times when losses may exceed what primary insurance can fully cover. From damaging multi-million dollar lawsuits, to auto accidents, to product liability claims: protecting your company means preparing and planning for the worst case scenario. Travelers' commercial umbrella and excess liability solutions provide you with the extra security and peace of mind so that your business is properly protected in the event of catastrophe.
A commercial Umbrella Liability Policy supplements your existing policy's general liability, auto liability, and employer's liability limits. The benefits of a Travelers commercial umbrella policy are increased limits in excess of standard primary policies, replacement of primary policies if limits are used up by covered losses, and broader coverage. Our commercial umbrella excess liability solutions include:
Who is it right for?
Travelers offers commercial umbrella and excess insurance coverage across all industries. Find a policy-type that's right for you.
Discover products by industry:
Tailor your Solution
Frequently Asked Questions
A commercial umbrella liability policy is strongly advised to ensure proper coverage is in place if your business has:
- employees and/or contact with the general public including vendors and customers
- company vehicles or employees who drive their personal cars for business
Many businesses cannot get the insurance coverage they require in the standard lines marketplace for reasons like multiple claims, a lack of history or unique classification. With more than 40-years of experience, Northfield is able to provide a wide-range of coverage for hard-to-place risks so companies can continue to grow with the confidence that they're properly protected.
There are many varying factors like a business' size, industry-type and amount of risk that influence the rate for a commercial umbrella policy quote.
Even small businesses can have big liability exposures, which is why Travelers A/B Umbrella is available as part of our wide range of small business solutions to help you grow and stay protected.
In the event you may require an extra layer of protection, beyond what primary insurance may cover, Travelers offers excess liability to safeguard your business from potential calamity.
Insights & Expertise
Claim values in general liability cases are increasing, and social inflation is a major factor contributing to the rise.
Large verdict awards are becoming increasingly common. See which ones made the National Law Journal's Top 100 Verdicts of 2019.
Counterfeit parts can be costly and dangerous. Help protect your supply chain by watching out for these signs.
Learn about 6 trending facts contributing to today's catastrophic liability risks.