Hartford Excess Solutions

Delivering Specialized Solutions

Umbrella and Excess liability policies are a valuable risk management tool that provide a financial backstop for midsize and large businesses to survive a significant liability claim that exceeds the limits of primary coverage.
We offer both supported and unsupported umbrella and excess coverage for mid to large business customers, as well as national commercial insureds.

Our Strategy for Umbrella and Excess Solutions

Our goal is to provide consistent and innovative umbrella and excess solutions to our retail brokers and agents. We look for flexible solutions that enable us to say “yes.”

Key Features

  • Lead Umbrella, Excess and Ventilated tower options with up to $25M in total capacity
  • A/B Umbrella Form
  • Short (2-Page) Follow-Form Excess and Traditional Excess Form availability
  • Ability to Quota Share
  • Corridor deductible structures and other unique risk-sharing alternative options
  • Commitment to Service Standards and Technology
  • Admitted and non-admitted paper

Our Target Appetite

  • Manufactura
  • Al por menor
  • Wholesale distribution
  • Ventas
  • Servicios
  • Financial Institutions
  • Bienes Raíces
  • Hospitality

What Sets Us Apart


Ethisphere named us a World’s Most Ethical Company® 14 times.1

World Class Underwriters

We focus on solution-based insurance products and hire technically skilled underwriters with a track record of accomplishments in their area of expertise.

Financial Strength

Ratings for Hartford Fire Insurance Company and Hartford Life and Accident Insurance Company are on stable outlook at A.M. Best (A+), Moody's (A1), and Standard and Poor's (A+).
Navigators Insurance Company and Navigators Specialty Insurance Company are on stable outlook at A.M. Best (A+) and on stable outlook at Standard and Poor's (A).

Knowledgeable Claim Handlers

Claims professionals from specialized legal and claims backgrounds with a minimum of 15 years of experience.
Strong technical claims staff with hundreds of years of combined experience.
Our claims and underwriting teams work closely together, meeting regularly to collaborate on both policy wordings and claims handling based on our insured’s needs.