Commercial and Business Insurance
Reducing risk 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.
Putting insights and expertise to work for your business
Why is business continuity important?
Developing a business continuity strategy is a must for companies facing an unprecedented number of exposures.
Insurance investigation trends happening now
Insurance fraud can cost companies millions if it isn’t caught early.
Industries
Coverage for your industry
Products & solutions
Designed to protect your business
Commercial auto & trucking
Helps protect your business on the road, from physical damage to liability for bodily injury and property damage.
Cyber
Covers losses related to data breaches, including ancillary services to help prevent and recover from cyberattacks.
General liability
Addresses a wide range of claims ranging from bodily injury and property damage to libel and copyright infringement.
Management and professional liability
Targets liability claims related to unique responsibilities within private, public, nonprofit and financial institutions.
Property
Helps protect everything from buildings to the equipment and assets within from fire, storms, theft and more.
Small business owner's policy
Delivers bundled protection, the essential coverages business owners need so they can pursue their passion.
Surety bonds
Surety bonds for individuals and businesses.
Workers compensation
Supports employees through illness and injury, delivered with a host of proprietary services to support positive outcomes.
EFFICIENT & EFFECTIVE
Services
Customized protection for all customers based on exposures they may face every day. Our industry expertise, along with a deep understanding of business needs, helps ensure we deliver services designed specifically for our customers.
Related Products
Self-Service Tools
Essential Coverages
Small business
The right insurance company can also provide insights and guidance that can help you manage risks and avoid claims. That's why making smart choices about your business insurance can have a significant impact on the overall well-being of your business.
RELATED PRODUCTS
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Business insurance fundamentals
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 that 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 and 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.
TRAVELERS ADVANTAGE
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.*
MORE PREPARE & PREVENT
Insights to help you manage risks at work and on the road
Manufacturing Resources
20 Risks Facing the Manufacturing Industry
Consider these 20 emerging risks to manufacturing businesses and the specialized insurance solutions you can use to help protect your company.
Cyber Resources
4 Steps to Help Manage a Data Breach
It is critical that business owners know what to do in the event they are breached.
Construction Resources
5 Innovations Impacting Construction Job Site Safety
Construction job sites can present workers with a variety of hazards. Explore five areas of innovation impacting construction job site safety.
Industry Resources
13 Risks Facing Professional Services Companies
As professional services companies evolve, here are some ways to help protect your business from risk.
*A.M. Best’s rating of A++ applies to certain insurance subsidiaries of Travelers 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 travelers.com. Ratings listed herein are as of July 20, 2023, are used with permission, and are subject to changes by the rating services. For the latest rating, access ambest.com.