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Small Business Insurance - Service Businesses

Yours is a trade where you can provide highly personalized services and solutions, using tangible tools and materials. Your professional knowledge stems from natural talent, refined by intensive hands-on experience. From locksmiths to photographers to funeral homes, Travelers offers the right insurance solutions to help protect your business.

Service Businesses Business Owner's Policy

Your methods are built on foundational skills, honed over years of experience. Similarly, Travelers BOP (our core Business Owner's Policy) for service businesses like yours, provides the solid insurance foundation you need to protect what you've built.

Travelers BOP includes:

  • Property
  • General Liability
  • Business Income/Extra Expense
  • Valuable Papers and Records
  • Hired and Non-owned Auto Liability Endorsement

Who is it right for?

Service business insurance protects small businesses providing specialized services to consumers and businesses, including:

  • Dressmakers
  • Dry Cleaners
  • Engraving Services
  • Funeral Homes
  • Janitorial Services
  • Locksmiths
  • Music Recording Studios
  • Packaging/Mailing Services
  • Photographers
  • Tailors
  • Taxidermists

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Customize your policy with these add-ons

Helps protect your bottom line from the costs of failing to prevent unauthorized access to, or use of, customer identity information. Covered expenses include customer notification (often mandatory), penalties and chargebacks imposed by credit card companies, court-awarded judgments, and more.

Best-in-class coverage enhancement with more than 40 expanded coverage features designed specifically for businesses that have more sophisticated insurance needs. Includes a Blanket Limit of $250,000 for Accounts Receivable, Spoilage, Valuable Papers and Records, Debris Removal and other key coverages.

EPL+ protects your business if an employee makes a claim alleging a wrongful employment practice such as discrimination. This helps cover legal expenses as well as potential settlement costs, up to the coverage limit.

Fifteen general liability coverage enhancements include an extension of coverage to unnamed subsidiaries (other than partnerships and joint ventures) and a blanket waiver of subrogation that protects your trusted partners from recovery of damages we paid.

Related Products & Solutions

Workers Compensation

Workers Compensation

Provide benefits to your employees and protect your business when a work-related injury occurs.

Commercial Auto

Commercial Auto

Whether you have employees driving occasionally to an off-site meeting or a fleet of drivers delivering products to customers every day, protect your business on the road.

Employment Practices Liability

Employment Practices Liability

Protect your business from liability risks if an employee should claim wrongful employment practices.

Commercial Umbrella

Commercial Umbrella

A powerful layer of protection for your business when a catastrophe occurs.

Insights & Expertise

Parking Lot Safety

Tips to Help Keep Employees and Visitors Safe in Parking Lots

Slippery conditions, uneven surfaces and poor lighting can make parking lots and garages hazardous for employees and visitors. Explore tips to help keep your parking lots safe.

Data Breach

5 Ways to Help Protect Your Company's Data

As a business owner or an employee, there are a number of preventive steps you can take to help keep your company's data secure.

Preventing Slips, Trips and Falls

Preventing Slips, Trips and Falls

Slips trips and falls have the potential to be a major cause of injury for your employees and visitors.

Related Services

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.

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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.