AM Best rating: A++
Customer rating: 98% satisfaction rate
Location: Hartford, CT
Specialty: Commercial property and casualty insurance, personal insurance
Why choose Travelers?
TechInsurance is proud to offer small business insurance quotes from The Travelers Companies, Inc. The company supplies quotes quickly, so TechInsurance's free online application can retrieve quotes for policies.
With its focus on putting customers first and easy-to-use technology, Travelers has become the second largest writer of commercial property and casualty insurance in the nation. Small business owners rely on it for local expertise combined with national strength and stability.
Travelers is committed to promoting health and safety in the workplace, and provides a wide range of risk management resources to keep both employees and businesses safe.
What types of insurance policies does Travelers provide?
These are the top insurance policies sold by Travelers. You can also view all business insurance policies offered through TechInsurance.
Workers' compensation insurance
Workers' compensation insurance covers medical bills and other expenses related to work-related injuries. It also helps pay for lost wages if you or an employee are unable to work during recovery.
Most states require small businesses to purchase workers' comp as soon as you hire your first employee.
Business owner's policy
A business owner's policy bundles general liability coverage and commercial property insurance into one policy. It is a cost effective choice, often cheaper than buying these insurance policies separately.
General liability insurance
General liability insurance protects against the most common third-party lawsuits, such as bodily injuries, property damage, and advertising injuries (e.g., copyright infringement). It's often the first type of business insurance coverage that small businesses get.
Commercial property insurance
Commercial property insurance protects your business building and its contents, such as computers, furnishings, fixtures, and other equipment and inventory.
For example, if someone steals your laptop or a storm damages the roof of your small business, your commercial property policy will pay for the replacement of the stolen or damaged items.
Commercial auto insurance
Commercial auto insurance covers the cost of accidents that involve company-owned cars, including medical bills, property damage, and lawsuits from other drivers. Every state, except for New Hampshire and Virginia, requires that businesses with company vehicles have commercial auto insurance.
If you use a personal, rented, or leased vehicle to complete work errands, then you should get hired and non-owned auto insurance (HNOA). This policy will offer you the protection you'll need, as personal auto insurance will likely not cover you if you're involved in an accident.
Commercial umbrella insurance
Commercial umbrella insurance provides an extra layer of protection by offering additional coverage for:
- General liability insurance
- Employer's liability insurance (part of workers’ compensation insurance)
- Hired and non-owned auto insurance
Umbrella coverage boosts your liability limits in $1 million increments and is often needed in order to fulfill a contract that requires higher than standard policy limits.
Which small business insurance policies does your state require?
Who does Travelers serve?
Travelers provides insurance products for a wide array of industries in every state.
Top industries covered by Travelers include:
- Finance & accounting
- Food & beverage
- Insurance professionals
- Healthcare professionals
- IT / technology
- Personal care
- Pet care
- Photo & video
- Professional services
- Real estate
- Retail
How much does small business insurance cost?
The cost of small business insurance depends on the types of policies you purchase. Here are the average premium costs for some of the most popular policies:
- Business owner's policy: $57 per month
- General liability insurance: $42 per month
- Workers' comp insurance: $45 per month
Several factors influence the cost of your business insurance, including your policy limits, deductible, location and number of employees.
How do I get business insurance with TechInsurance?
TechInsurance is a trusted insurance expert for small businesses, including contractors and consultants, with extensive knowledge of the IT sector. We help business owners compare quotes from top-rated providers, buy policies, and manage coverage online.
By completing TechInsurance's easy online application today, you can compare free quotes for small business insurance policies from top-rated U.S. carriers, such as Travelers. Our insurance agents are available to help answer any questions you may have.
Once you find the right policies for your small business, you can begin coverage in less than 24 hours and get a certificate of insurance for your small business.