Hartford Excess Solutions

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Delivering Tailored Solutions for Your Clients

We offer flexible umbrella and excess liability solutions designed to help you meet the unique needs of your clients with confidence and consistency.
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Protecting What Matters Most

Umbrella and excess liability policies are essential tools for helping your clients safeguard their businesses against large unexpected losses. These solutions provide an added layer of protection beyond primary coverage limits, supporting business continuity, offering peace of mind and giving you the flexibility to meet a wide range of risk profiles and coverage needs.
 

Coverage That Adapts to Your Clients’ Needs

Our innovative umbrella and excess liability solutions are customizable, so you can deliver the right fit for your clients’ complex risk needs. We offer up to $25 million in total capacity through lead umbrella, excess and ventilated tower structures.
 
You can tailor coverage with options such as:
 
  • A/B umbrella forms
  • Short-form
  • Follow-form
  • Traditional excess policies
  • Quota share capabilities
  • Innovative risk-sharing structures, such as corridor deductibles
Whether your clients need admitted or non-admitted paper, our commitment to service standards and technology ensures a seamless experience from quote to claim.

Who We Serve

We help protect businesses facing complex or high-severity risks, including:
  • Manufacturing
  • Retail
  • Wholesale Distribution
  • Sales and Service Organizations
  • Financial Institutions
  • Insurance Companies
  • Law Firms
  • Real Estate
  • Hospitality 

A Trusted Reputation and Experience Your Clients Deserve

When you work with Hartford Excess Solutions, you’re backed by a team that brings integrity, experience and strength to every policy, so you can deliver confidence to your clients.
 
Our technically skilled underwriters specialize in complex risks and collaborate with you to craft smart, solution-based coverage that fits your clients’ needs. Our claims professionals bring deep knowledge of umbrella and excess liability, working closely with underwriting to ensure seamless service and responsive support when it matters most.
 
The Hartford has been recognized 15 times by Ethisphere as one of the World’s Most Ethical Companies®. We’re committed to doing what’s right for you and your clients every day.

Financial Strength You Can Count On

Backed by The Hartford’s long-standing financial stability, we offer the security your clients expect from a top-tier carrier.
  A.M. Best Moody's S&P
Hartford Fire Insurance Company A+ A1 A+
Hartford Life and Accident Insurance Company A+ A1 A+
Navigators Insurance Company A+ NR A+

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16 “World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC.
 
Additional disclosures below.