Travelers Group

Who We Are

We are an insurance company that cares. Travelers takes on the risk and provides the coverage you need to protect the things that are important to you — your home, your car, your valuables and your business — so you don’t have to worry. We have been around for more than 165 years and have earned a reputation as one of the best property casualty insurers in the industry because we take care of our customers. Our expertise and focus on innovation have made us a leader in personal, business and specialty insurance and the only property casualty company in the Dow Jones Industrial Average. Every day, our approximately 30,000 employees and 13,500 independent agents and brokers in the United States, Canada, the United Kingdom and Ireland help provide peace of mind to our customers.

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Agriculture/Farm

To succeed in today’s evolving agribusiness (also referred to as agriculture business) landscape doesn’t just mean knowing your farm, ranch, stable or vineyard. These days, it’s critical that you stay up-to-date on the risks that threaten it and understand your options to help protect it. From extreme weather to the revolution in agriculture technology – or AgTech – it’s important to choose an agribusiness insurance carrier who can help you navigate the sophisticated hazards of your industry. We offer broad property and liability coverages, Risk Control services and Claim support tailored to meet the specific challenges you face, and to help protect what you have worked so hard to build. Our leading-edge industry insights and expertise, strength of coverage and the competitive advantage we deliver to our policyholders by keeping them ahead of emerging risks, are just a few reasons why Travelers Agribusiness is the right choice to help protect what matters most to you. Agribusiness Insurance Lines of Business: Auto General Liability General Liability – including Personal Liability Property Umbrella/Excess Who Is Agriculture Insurance Right For? Citrus growers Commercial growers and packers of agricultural products Cotton growers Estate farms Family farms and ranches Grain and field crop growers Horse farms Livestock, primarily cattle and sheep Vineyards Wholesale nurseries Wineries, including tasting rooms

Business Auto

Commercial Automobile insurance provides protection for automobiles used in the course and scope of business. Travelers offers a broad commercial auto product to ensure that company vehicles, and liability for their use, are properly protected. Who Needs Commercial Truck & Auto Insurance? Any business that owns motor vehicles or uses any motor vehicles in the course of its business needs commercial auto insurance. Travelers offers the liability and physical damage coverages needed by most businesses. In addition, Travelers provides industry-specific coverage for commercial auto and fleet vehicles for certain sectors, such as public sector and oil & gas. Discover what policy type may be best for your business: What Does a Commercial Auto Policy Cover? A Travelers Commercial Automobile policy can provide liability and physical damage coverage for both small and large fleets of commercially owned vehicles. Travelers Commercial Auto coverages include: Liability Coverage* Uninsured Motorists Coverage* Underinsured Motorists Coverage* Physical Damage Coverage* Small Business Commercial Auto Insurance If a covered loss damages or destroys your valuable records, consider coverage that can help replace them.

Crimes, Bonds, Surety, Fidelity

Travelers Knows Surety Bonds Whether you’re an individual seeking a particular type of bond, or run a business with a variety of bonding requirements, Travelers can provide a surety program tailored to your needs. Surety Bonds provided by Travelers: Bid, Performance and Payment Construction Materials Supply Court Bonds – Judicial, Fiduciary and Probate Custom Bonds Depository Bonds ERISA Fidelity License and Permit Lost Instrument Miscellaneous Notary Public Official Release of Lien Utilities …. And more

D&O, E&O, EPLI, Cyber

Errors and Omissions (E&O) insurance helps protect against the costs of allegations made by clients for inadequate work, negligent actions or failure to provide the expected level of service. As a professional operating in today’s increasingly litigious environment, you could easily be subject to allegations by unhappy clients who may feel they’ve been harmed by your actions or inactions. E&O insurance from Travelers can be customized to protect you and your company from the unique risks you face while working in your profession. Who Needs E&O Insurance? For some professionals, contracts require E&O coverage in the event that a mistake, real or perceived, is made that costs your client money or damages their reputation. Even if you aren’t contractually required to carry E&O insurance, it’s a wise decision to protect your business. Without E&O insurance coverage, your business may be responsible for the costs of legal defense should you be sued. Those costs can include defense costs and settlement costs, as well as the time required to respond to a claim and the potential damage to your company’s brand and reputation. Travelers Knows Errors & Omissions Insurance Travelers understands that, regardless of how well you plan, the potential for mistakes in the performance of a professional service is still very real. Your business’ financial security can depend on how well protected you are from a lawsuit or claim. For that reason, Travelers E&O insurance offers protection for an array of emerging exposures and for losses resulting from negligence or errors and omissions in the performance of professional services. Select a Product: Accountants Professional Liability Accounting professionals, including tax preparers and consultants, can be at risk for liability exposure in handling the sensitive financial information necessary to serve their clients. Design Professional Liability Design professionals, including architects, engineers, land surveyors, construction managers and consultants can face allegations of mistakes from clients. Lawyers Professional Liability Legal professionals can be at risk for potential exposure due to administrative mistakes or substantive errors of law. Miscellaneous Professionals Liability Miscellaneous Professional Liability insurance is designed to protect a wide variety of professionals who work with clients in providing products or services. Professional Liability for Financial Institutions Financial institutions such as insurance agencies, banks, credit unions and investment firms — and their directors, officers and employees — can benefit from E&O policy coverage. Real Estate Professional Liability Real estate professional liability insurance can help protect real estate professionals, including realtors, against the risks inherent in the course of working with buyers and sellers.

Middle Markets

Small Commercial

Small Business Insurance Products and Solutions Maybe it began as a hobby, or a bold career move. You started your business for a reason and made a significant investment. Business insurance helps to protect your investment from the financial impact of unexpected events, such as an employee injury, a lawsuit, a natural disaster or a man-made event. 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. https://www.travelers.com/small-business-insurance

Workers Compensation

Workers compensation insurance coverage can help to protect both you and your employees after a work-related injury or illness. For the employee, workers compensation provides medical care, lost wages and more. For the employer, workers compensation provides peace of mind by helping your business avoid expensive civil litigation and providing support to injured employees to help them recover and return to work. With flexible solutions, responsive service and cutting-edge innovations, our experienced professionals work collaboratively to get injured employees on the road to recovery. See how our workers compensation solutions can benefit your business. workers compensation graphic Travelers is an industry leader, the number one writer of workers compensation insurance in the United States. Our experienced and collaborative teams strive to treat every customer, from the small business to the national multi-state business, as our most important customer. With the flexible solutions, responsive service, and cutting-edge innovation of the nation’s largest and most responsive workers compensation carrier, you can let Travelers work to your advantage, enabling both healthy workers and organizations. We help organizations to facilitate safe work environments and lower claim costs, as well as access to care and return to work for injured employees. Why Travelers? Travelers empowers our customers with industry leading technology, actionable analytics, and responsive teams to keep employees safe and businesses healthy. Flexible Solutions – Travelers flexible solutions are adapted to your organization’s unique needs, and can deliver the specific capabilities most likely to positively impact your circumstance. Responsive & Reliable Service – Our responsive and reliable service allows you to focus on your organization’s success rather than responding to something that’s gone wrong. Innovative Resources – We continually invest in innovative resources to stay ahead of workers compensation risks, enhancing our customers’ operations and safety. To protect your employees… Medical expense benefits Lost wages benefits Over 2,000 workers compensation claim professionals to simplify the claims process 500+ in-house nurses and medical professionals to ensure a timely return and smooth transition back to work when medically appropriate To protect your business… May limit your liability if sued by an injured employee’ Safety resources and expertise available to reduce workplace accidents Investigative team for claims

Personal Auto

The Journey Starts Here With a Car Insurance Quote It’s quick and easy to get a car insurance quote. When you hit the road, feel confident that you, your loved ones and your pockets are properly protected. Let us worry about the risks of the road, while you enjoy the freedom of the ride. What Is Car Insurance? Car insurance can help protect you from costs related to auto accidents and other types of losses, such as the theft of your car. Your car insurance policy is a contract for which you pay a certain amount or — “premium” — to your insurance company in exchange for the coverages you select. Why Do I Need Car Insurance? If you’re involved in an accident, you may have expenses for car repairs, property damage, medical bills, lost wages, and more. Without the coverages you need, you could have to pay those bills on your own. What Does Car Insurance Cover? Typically, liability coverage is required in most states. This coverage helps cover someone else’s bodily injury or property damages when you are determined to be at fault for the accident. There are also other coverages that can help cover the costs of damage to you or your auto. To get the most complete protection for your individual needs, discuss available coverage options with your insurance representative. Liability Coverage Liability coverage includes both bodily injury and property damage liability coverage and is required in most states. This coverage provides compensation for injuries to others, and for the damage your vehicle does to another person’s property if you cause an accident. If you are found responsible for causing damages as a result of an accident, this coverage may pay up to the limit you select, and it can provide for a legal defense if you’re sued. Roadside Assistance Roadside assistance is coverage you can add to your car insurance policy to help when you find yourself stranded due to unexpected car trouble — like a dead car battery. These unexpected things can happen when you’re at work, out running errands, or even when you’re at home. Loan/Lease Gap Insurance Gap insurance, also known as loan/lease insurance, can help protect you if your vehicle is financed or leased. If your vehicle is totaled (deemed a total loss), this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the auto loan or lease. Learn more about Travelers car insurance coverages. Ways to Save on Car Insurance Where available, purchasing multiple policies such as car and home insurance with the same company, maintaining a safe driving history and paying through electronic fund transfer may be ways that you can save money on car insurance. Multi-Policy Discount Bundling multiple insurance policies can result in premium discounts. For example, you could save up to 13% on your Travelers car insurance when you also purchase your home/condo insurance and other insurance policies from Travelers.1 Safe Driver Discount Safe driving should be rewarded. No accidents, violations or major comprehensive claims in your household for the past three to five years could save you money with our safe driver discount.2 Good Student Discount Policyholders with drivers who are fully enrolled in high school or college and are good students who maintain a “B” average or better, may qualify for a discount on car insurance. Learn more about Travelers car insurance discounts. Frequently Asked Car Insurance Questions Find the answers to many of the questions that you may have about car insurance, from how to choose a deductible to who is covered by your policy. Policy Basics Car Insurance Questions Premium Pricing & Discounts Car Insurance Questions Coverage & Limits Car Insurance Questions Learn more

Preferred Markets

Home

Home insurance is important. But that doesn’t mean it has to be complicated. Here at Travelers, we’ve simplified the quote process so that you can get your free home insurance quote as quickly as possible. Whether you prefer to quote directly with Travelers or through an independent agent, the process is easy. Just answer a few simple questions and we’ll do the rest. Bundle up to see if you can save When you bundle multiple policies from Travelers, you can save quite a bit of money. Up to 13 percent on auto insurance when you purchase auto, home and additional policies with us. So even though you’re here for a home insurance quote, it can be well worth your while to quote us for all your insurance needs. We also offer discounts for quoting early, for having protective devices such as smoke detectors, alarms, deadbolts and fire extinguishers. You could also save with our loss-free and green home discounts. Call or click to get started. Travelers is there when you need us Getting a free insurance quote from Travelers is just the beginning. Travelers works with you to help you select the coverage you need, while also finding you discounts along the way. And if the unthinkable should happen, you can report your loss 24 hours a day, 7 days a week. Travelers has over 12,000 claim representatives countrywide who are ready to respond with speed, compassion, integrity and professionalism.

Watercraft/Boats

For All the Boating Adventures Ahead Get a boat or yacht insurance quote today and get ready to enjoy more of what you love – time out on the water with friends and family. Make sure your boat and everyone on it are properly protected with Travelers. How Much Is Boat Insurance? Boat insurance costs will vary based on the state where you use your boat and the coverage options you select. For instance, agreed value policies will generally cost more than actual cash value policies. If keeping costs down is a priority, choosing a higher deductible can reduce your policy premium. Depending upon the state where the boat is used, policies can be purchased at a very reasonable price.* Why Do I Need Boat Insurance? You need boat insurance for many reasons. Boat insurance covers loss or damage to your boat and helps protect you financially for injuries or damage caused by covered mishaps. In addition, liability coverage can help protect you if you cause injury to others or their property while using your boat. Medical payments coverage provides reimbursement for injuries to you and your guests. Boat insurance even covers on-water towing. How Do I Purchase Boat Insurance? Contact your local independent agent or Travelers representative today for your boat insurance quote. Your agent can help you choose a policy with your needs in mind to get the appropriate coverage before you head out on the water for your next boating adventure.

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