Travelers Small Business Insurance
Your Small Business is Unique...Your Insurance Should Reflect That.
At Travelers, we know choosing the right insurance for your business is an important decision. That's why we've created one of the best portfolios of small business insurance coverages. Whether you're a store owner, office professional or wholesaler, our flexible, streamlined small business insurance coverages are designed to protect you against the unique risks and exposures you face - so you can tend to your business and rest assured that it is protected in every imaginable way.
Small Business Insurance Made Simple
Business Owner's Policy (BOP)
A Business Owner's Policy (BOP) is recommended for most small businesses, as it is often the most affordable way to obtain broad coverage. Combining both property and liability insurance, a BOP will cover your business in the event of such things as property damage, suspended operations, or lawsuits resulting from bodily injury or property damage to others.
Master PacSM, Travelers Business Owner's Policy, offers a myriad of options to meet your specific insurance needs. Some businesses may find the BOP alone to be sufficient, while others may wish to tailor Travelers BOP by increasing key coverages, adding other options, or eliminating unnecessary coverages.
Our Master Pac series includes insurance protection for small businesses in the following industry segments:
- Apartment: Travelers Apartment PacSM and Apartment Pac PlusSM are designed for owners of buildings used exclusively as apartment houses, including cooperatives.
- Building: Travelers Building PacSM and Building Pac PlusSM are designed for lessors of commercial buildings occupied by offices, mercantile and retail establishments.
- Business: Travelers Business PacSM and Business Pac PlusSM are designed for businesses providing personal consumer services, businesses repairing light consumer goods and businesses engaged in printing.
- Condominium: Travelers Condominium PacSM and Condominium Pac PlusSM are designed for owners of buildings used exclusively as condominiums.
- Contractors: Travelers Contractors PacSM is designed for primarily small residential, special trade contractors.
- Garage: Travelers Garage PacSM is designed for independently operated or franchised automotive service and repair businesses.
- Manufacturers: Travelers Manufacturers Pac PlusSM is designed for manufacturers of electronics, food products, leather goods, instruments, metal goods, paper products, plastic goods, rubber products, textiles and wood products.
- Office: Travelers Office PacSM and Office Pac PlusSM are designed for a variety of firms providing medical, legal, financial or other professional services for their clientele.
- Religious: Travelers Religious PacSM is designed for small churches and other houses of worship not affiliated with operating educational institutions.
- Restaurant: Travelers Restaurant PacSM and Restaurant Pac PlusSM are designed for various food service establishments. Restaurant Pac is designed for fast food and family-style restaurants. Restaurant Pac Plus is designed for fine dining establishments, banquet and reception facilities and caterers, as well as the larger family-style restaurants.
- Store: Travelers Store Pac® and Store Pac PlusSM are designed for a wide variety of retailers primarily engaged in brick-and-mortar commerce.
- Technology: Travelers Technology Office PacSM is designed for technology firms providing computer consultation and a variety of technology services for their clientele. Travelers also offers Technology Manufactures Pac PlusSM which is designed for manufacturers of electronics and instruments products.
- Wholesalers: Travelers Wholesalers Pac PlusSM is designed for distributors of various types of durable and non-durable domestic goods.
The Master Pac series affords a large number of built-in coverages important to protecting your small business, including:
- Business Personal Property (Optional for some businesses)
- Building coverage (Optional for some businesses)
- General Liability
- Product Liability
- Business Income and Extra Expense (Optional for some businesses)
- Employee Dishonesty
- Equipment Breakdown Coverage
Small Business Insurance-specific coverage options are also available, such as:
- Increased Fine Arts Coverage
- Accountants Endorsement
- Lawyers Endorsement
- Medical and Dental Office Endorsement
- Eating Establishment Endorsement
- Spoilage Coverage
- Bailees Customers Goods Coverage
Travelers is dedicated to the small business marketplace and we are sure that you will find an insurance product that is well suited for your business.
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Automobile
A commercial automobile policy provides coverage for legal liability for others' bodily injury or property damage arising out of the use of your business automobiles. Physical damage coverage protects your vehicles in case of accident or damage or damage caused by fire, hail, and other risks. You can designate coverage for owned vehicles as well as leased, hired and/or borrowed vehicles. More coverage options are also available.
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Commercial Package Policy (OMNI)
Travelers OMNI product is designed for those businesses that satisfy our underwriting guidelines, but require specialized coverage tailoring unavailable in Master Pac or Pac Plus.
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Umbrella
With an Umbrella Liability Policy in place, there are fewer worries about depleting valuable business assets or future income to cover catastrophic liability claims. An Umbrella Liability Policy supplements your existing policy's general liability, auto liability and employers liability limits.
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Workers' Compensation
Travelers Workers' Compensation coverage is an available coverage that is available to be added to a variety of policy types to round out your insurance protection. Workers' compensation insurance provides benefits to employees for work-related injuries. Coverage includes medical care and a portion of lost wages when the employee is unable to work. This insurance also provides benefits for the employee's dependents if the employee dies during work-related duty.
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Travelers Value Proposition
As an industry leader, we pride ourselves in delivering excellence in every phase of our operations. Our insurance professionals work diligently to provide superior products and superior service. Listed below are a few reasons why Travelers should be your carrier of choice:
- Financial Stability
In the business for over 140 years, Travelers has established itself in the marketplace as a financially stable company that you can rely on. You can feel confident knowing that your business will be protected in the event of a loss.
- Flexible, Competitive Products
We recently enhanced the Master Pac series to provide even more embedded coverages and more coverage options to more adequately serve the small businesses in the twelve targeted industry segments. You are sure to find a competitively priced insurance product that fits the unique requirements of your business.
- A Dedicated Team of Professionals
Our highly qualified team of professionals, including our sales force, underwriters, risk control consultants and claim professionals, know their business well and will provide you with the no-hassle service you expect from your insurance carrier. In addition, we have an extensive network of local field offices staffed with professionals who live and work in the neighborhoods where you do business and who know the trends, market conditions, and state legislation that affect your community and business environment.
- Excellent Customer Service
Working in conjunction with your agent, our state-of-the-industry service centers are staffed with licensed customer service representatives who will strive for one-call resolution of your insurance-related questions. This means you, as one of our small business policyholders, can spend less time worrying about insurance and more time running your business.
- Cutting-Edge Technology
As an industry-leader in automation, we understand the importance of technology in cutting costs and improving office efficiencies and productivity. Our investment in automation permeates through the entire company, helping your agent access your policy information quickly, and allowing our Claim Service Centers and our Small Business Service Centers to retrieve your account information promptly, to help you get a quick resolution to your insurance-related questions.
- Fast and Efficient Claim Service
We understand that when you are purchasing insurance, you are purchasing a promise that we will be there for you when you need us. Our dedicated, knowledgeable claim professionals are committed to providing you with exceptional claim service 24 hours a day, 365 days a year. Simply call us directly using our toll-free claim reporting number, 800.238.6225, and your loss will be handled in a fast and efficient manner so you can get back to running your business.
- Risk Control Expertise
Our knowledgeable Risk Control Consultants, backed by qualified specialists who are dedicated in areas such as fire protection, product liability, transportation, industrial hygiene, ergonomics and injury management, are focused on helping you prevent and control business losses. Our industry-leading Risk Control Web site offers a variety of risk control and safety tips to help you prevent a loss.
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