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Business Insurance
Commercial insurance can help you avoid costly disruptions

Find Solutions

Find Solutions

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Tailor your Solution

Transforming Risk into an Advantage with Business Insurance

No matter what industry you are in, your company faces risk every day.  That's why Travelers offers a wide range of business insurance options, designed to identify and reduce those risks.  Beyond managing claim costs, we help companies prepare for risk and recover faster after an unexpected event.  Managing the total cost of risk creates a competitive advantage, helping you protect and grow your business.

   

Business insurance coverage is critical to protecting your company from risks, including property loss and repairing or replacing property, such as after a fire, storm or theft. Business insurance can help cover the costs of legal claims made against your business and can help cover an injured worker's lost wages. Without insurance, a significant loss could be devastating to the livelihood of your business. Some states also require businesses hold certain types of insurance coverages in order to legally operate there.

Workers compensation insurance can help protect both you and your employees after a work-related injury. General liability insurance can help protect your company in the event that someone makes a claim against it. Management and professional liability insurance can help protect you from a range of risks, from Errors & Omissions to Cyber Risk.

For small businesses, a Business Owner's Policy, also known as BOP insurance, combines three critical coverages – Commercial General Liability, Commercial Property, and Business Income and Extra Expense coverage – into one convenient policy.

How much business insurance costs your business depends on a number of factors, including the specific types of insurance you need and the coverage limits you choose. These are determined by the specific risks your business faces, based on your industry, location, size and other attributes unique to the business you operate and its exposures. Operating overseas, for example, might indicate the need for international insurance to help cover foreign exposures. It's important to protect your company with business insurance coverage that reflects the risks and unique exposures that your organization faces. This is why it is important to engage an insurance professional with experience covering your business type to help you tailor a business insurance solution to your company.

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Construction

Construction

Highly-skilled underwriting, customized commercial insurance products for the construction industry, and tailored programs and services to help reduce contractors' cost of risk.

Energy & Renewable

Energy & Renewable

Travelers has more than a century of experience working with the energy industry as a whole, and 25 years focusing on renewable energy.

Financial Institutions

Financial Institutions

Travelers offers business insurance coverage options to address the management liability and crime coverage needs of financial institutions and banks.

Healthcare

Healthcare

We have insurance policy coverage options for healthcare organizations including medical technology, outpatient facilities and skilled nursing care facilities.

Manufacturing

Manufacturing

We focus on the unique risks to manufacturers, such as supply chain disruption, employee safety and brand and reputation.

Real Estate

Real Estate

Real Estate owners and managers have unique risks. Travelers INDUSTRYEdge® offers products to address the specific commercial insurance policy requirements of this industry.

Technology

Technology

For more than 30 years, Travelers has been insuring the telecommunications, information technology, life sciences and electronics manufacturing industries.

Transportation

Transportation

A leader in insuring commercial vehicles, we provide a broad range of affordable commercial insurance coverages to help auto and trucking customers protect their business.

See all Industries
Commercial Auto & Trucking

Commercial Auto & Trucking

Travelers commercial auto & trucking insurance offers quality products to protect your business on the road.

Cyber

Cyber

We understand the complexity of cyber threats and have cyber liability insurance solutions to help protect your business assets.

General Liability

General Liability

Travelers offers a wide range of general liability options to help protect your business.

Management & Professional Liability

Management & Professional Liability

Policies that fit your unique responsibilities and exposures – whether you’re a private, public, nonprofit or a financial institution.

Property

Property

When it comes to insuring your commercial property, Travelers has a number of solutions to help keep your property protected.

Small Business Owner's Policy

Small Business Owner's Policy

Protects your business from property and (general) liability risks with a bundled, affordable solution that meets the general needs of your small business.

Surety Bonds

Surety Bonds

Travelers can help both individuals and businesses – ranging from small to multi-national companies – with their surety bond needs.

Workers Compensation

Workers Compensation

With more than 100 years of experience, we have built a broad range of innovative services, all delivered locally in your community.

See all Products & Solutions

Risk Control

We have one of the largest Risk Control departments in the industry, and our scale allows us to apply the right resource at the right time to meet customer needs.

Claim

Our knowledgeable Claim professionals will respond to your needs with speed, compassion, integrity and professionalism. It's our business to help keep you in business.

Premium Audit

Your business operations may ebb and flow based on market conditions. That fluctuation could affect the amount you pay in insurance premium.

Risk Management Information Services (RMIS)

Travelers RMIS uses advanced technology to gather and analyze many elements that can have a significant impact on loss experience.

Online Customer Tools

MyTravelers® for Business offers convenient, online access for policyholders to pay a bill, view policy documents, report a claim, obtain certificates of insurance and more...

Pay Your Bill

Go paperless! Pay your business insurance bill, monitor your account and sign up for automatic recurring payments—all online.

See all Services

Travelers Advantage

Expertise in Your Industry

Expertise in Your Industry

Industry-specific underwriting, risk control and claims services help us manage risks and resolve issues quickly.  See how we can help your business.

Fair, Fast & Effective Services

Fair, Fast & Effective Services

If you have a claim, you will appreciate our approach to guiding you through the entire process.  Learn more about what to expect.

Financial Strength

Financial Strength

A.M. Best gives Travelers an A++, its highest rating, in claims-paying financial strength. When the unexpected happens, we’ll be here to help.*

Insights & Expertise

manufacturing worker

20 Risks Facing the Manufacturing Industry and How to Help Protect Your Business [Tool]

Consider these 20 emerging risks to manufacturing businesses and the specialized insurance solutions you can use to help protect your company. 

Construction Risk Landscape

Construction Risk Landscape [Tool]

Travelers dedicated team works to identify, analyze and reduce risks in construction to help contractors improve safety and reduce costs associated with preventable losses.

woman sitting at desk

13 Risks Facing Professional Services Companies [Tool]

As professional services companies evolve, here are some ways to help protect your business from risk. 

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Travelers and The Travelers Umbrella are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.
© 2023 The Travelers Indemnity Company. All rights reserved.

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* A.M. Best rating applies to certain insurance subsidiaries of The Travelers Companies, Inc. that are members of the Travelers Insurance Companies pool. Other subsidiaries are included in another rating pool or are separately rated.  For a listing of companies rated by A.M. Best and other rating services visit www.travelers.com.  Ratings listed herein are as of May 28, 2015, are used with permission, and are subject to changes by the rating services.  For the latest rating, visit www.ambest.com.The Travelers Indemnity Company and its property casualty affiliates. One Tower Square, Hartford, CT 06183
This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations.
All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries