Stay resilient with property insurance for today's unique risks
Commercial property insurance that protects against exposures today and tomorrow
Having the right commercial property coverage could mean the difference between a minor disruption to operations and a major financial loss. As one of the largest commercial property writers in the United States, you can trust Travelers to have a deep understanding of your everyday challenges. And, we can provide the expertise, resources and strength to help keep your operations running smoothly and your business resilient.
COMMERCIAL PROPERTY INSURANCE
What is commercial property insurance?
Commercial property insurance is coverage that can protect your company's physical assets from unexpected events, including fires, windstorms,theftand vandalism. Physical assets covered by commercial property insurance could include the buildings you own or rent, office equipment, furniture, fixtures,inventoryand other items you count on to support your daily operations. It can also include lost business income that results from physical property damage.
ThroughTravelers'accompanyinglossprevention services,commercialproperty insurance can also deliver a competitive advantage by helping youidentifyand manage property-related risks specific to your company, allowing you to remain focused on your business. Travelershasexpertiseacross many industries, helping companiesidentifyand reduce property risks.
When an unexpected loss causes disruption or even temporarily shuts down your business, your ability to recover quickly is critical.Travelerscommercial property insurance canprovidethe support and financialassistanceneeded to get your business back up and running.
Who is commercial property insurance coverage right for?
Commercial property insurance is for all businesses, especially those that have buildings, critical equipment and other property. For more than 150 years, Travelers has been a commercial property and casualty insurance provider. And, we offer commercial property protection for a wide variety of industries and businesses ranging from small to large to highly complex. We understand the evolving risks our customers face and offer solutions to address them. Our property insurance policies can be tailored to meet customers’ coverage needs by providing:
Coverage confidence
Built-in flexibility
Services that matter
National scale with local presence
Smallbusiness
Midsized business
Largeand specialtybusinesses
Business resources
Business income worksheets
Travelers Client Advantage
Facilitiesmanagementresources
SMALL BUSINESS PROPERTY INSURANCE
What is small business commercial property insurance?
Travelers small business commercial property insurance can help protect the business property you own, lease or rent, including assets like your buildings, equipment, furniture, fixtures and inventory. It can also help cover the costs to repair or replace stolen, damaged or destroyed property, including property and equipment that isn't yours but is in the care or custody of your small business.
Who is small business commercial property insurance right for?
Commercial property insurance for small businesses is included in a Travelers Business Owner’s Policy (BOP). Our BOP is built to protect many types of small companies. This includes but is not limited to:
Commercial real estate
Contractors
Financial services
Garages
Healthcare
Manufacturers
Personal care services
Pet care services
Printers and publishers
Professional services
Religious and cultural organizations
Restaurant and food service
Retail
Service businesses
Technology services
Wholesalers and distributors
MIDSIZED BUSINESS PROPERTY INSURANCE
Travelers Deluxe® and OMNISM for midsized businesses
Travelers Deluxe offers an integrated approach to packaging your business property insurance needs with a wide range of embedded coverages and built-in flexibility to reduce the need for add-on extensions and endorsem*nts.
OMNI for small to midsized businesses has an array of specialized optional coverages and limits available to tailor protection for customers. This policy can be designed to encompass the majority of property insurance needs for small to midsized businesses.
LARGE AND SPECIALTY BUSINESS PROPERTY INSURANCE
Flexible commercial property insurance for large, specialized and high-value businesses
Travelers offers tailored property protection solutions for high-value, complex risks across many industries. Our experienced National Property staff works closely with customers to develop a flexible policy that matches coverage needs. Our property specialists in Risk Control have the expertise to prevent or mitigate losses.
Customized Property Coverage®
Every business is unique. Count on Travelers to be your source for traditionally structured coverage as well as alternative solutions for complex coverage needs.
Global property coverage
Travelers provides global coverage in conjunction with our strategic alliances in the International Network of Insurance (INI) in more than 150 countries.
Specialty market programs
Travelers is an industry leader in nontraditional and specialty market programs. In association with our program managers, we make it easy to place business within a variety of specialized markets, such as airplane hangars, nonprofits and educational institutions.
Under Deductible Subrogation services
The Under Deductible Subrogation service program from Travelers is designed to help commercial property insurance customers pursue reimbursem*nt for damage when the loss falls below their property insurance policy deductible.
Excess property market
Travelers offers excess capabilities typically attaching at $1,000,000 or greater.
Related products & solutions for commercial property insurance
Business owner's policy (BOP)
Provides a broad array of standard coverage features specifically designed to meet the property and general liability needs of small commercial customers, with the flexibility to further tailor coverage to meet your specific business needs.
Workers compensation
Supports employers and employees after a work-related injury or disease, delivered with a host of proprietary services to support positive outcomes.
Travelers commercial auto & trucking insurance offers quality products to protect your business on the road.
General liability
Travelers general liability insurance for businesses provides protection from a variety of claims.
MORE PREPARE & PREVENT
Insights to help you manage risks at work and on the road
Resources for Insuring Your Business
6 Forces Driving Commercial Property Insurance Costs
The market for commercial property insurance continues to be challenging. Learn about several factors contributing to increasing premium for commercial property coverage.
4 minutes
Business Continuity Resources
Business Continuity Planning in 4 Steps
Having a strategy – before an event happens – helps to maximize the chance your business can recover while minimizing the loss of life, property and assets.
2 minutes
Facilities Management Safety Tips and Resources
Fire Hazards in the Workplace
Equipment overheating and electrical problems are a couple of workplace fire hazards you need to be aware of.
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