Travelers Insurance delivers sophisticated commercial insurance solutions for mid-market businesses including business owners policy (BOP), commercial property insurance, workers compensation insurance, general liability insurance, commercial umbrella, directors & officers (D&O), and industry-specific programs for manufacturing, real estate, hospitality, contracting, wholesale, and professional services nationwide.
This central Travelers hub stores all Travelers insurance reviews 2026, cost guides, coverage comparisons, and provider analysis. Access Travelers BOP insurance cost, Travelers commercial property rates, Travelers workers comp pricing, Travelers general liability insurance, Travelers D&O coverage, and complex risk management details.
Travelers Insurance Coverage Portfolio
Travelers Business Owners Policy (BOP)
Travelers BOP insurance targets established businesses with enhanced property coverage, business income extensions (24 months), and cyber liability riders available up to $5M limits.
Enhanced BOP Features:
- General liability: $1M-$5M
- Property: Agreed value options
- Business income: Extended period earnings
- Ordinance/law coverage $250K
- Employment practices optional
BOP Premium Examples (2026):
| Revenue | Business Type | Monthly Premium |
|---|---|---|
| $500K | Wholesale/Retail | $75-$165 |
| $1M | Professional Services | $105-$235 |
| $2.5M | Light Manufacturing | $195-$425 |
| $5M | Contractor Operations | $285-$625 |
Travelers Commercial Property Insurance
Travelers commercial property insurance specializes in mid-market risks with blanket coverage, business interruption (24 months), contingent business interruption, and supply chain protection.
Property Coverage Highlights:
- Replacement cost valuation
- Earthquake/windstorm endorsements
- Valuable papers/accounts receivable
- Equipment breakdown comprehensive
Property Rate Structure:
| Building Value | Occupancy Risk | Annual Premium |
|---|---|---|
| $1M | Retail/Mercantile | $5,500-$12,000 |
| $3M | Office/Warehouse | $12,500-$27,500 |
| $5M+ | Manufacturing | $22,500-$52,500 |
| High Value Portfolio | Custom Program | Risk Engineering |
Travelers Workers Compensation Insurance
Travelers workers comp insurance provides sophisticated loss control, managed care networks, and occupational health programs for manufacturing, construction, and hospitality employers.
Workers Comp Capabilities:
- Multi-state employer programs
- Large deductible plans
- Captive funding options
- Return-to-work coordination
WC Cost by Payroll:
| Annual Payroll | Industry | Monthly Premium |
|---|---|---|
| $500K | Manufacturing | $2,000-$5,000 |
| $1M | Construction | $3,800-$9,500 |
| $2M | Hospitality | $6,500-$16,000 |
| $5M+ | Multi-State | Custom Program |
Travelers General Liability Insurance
Travelers general liability insurance offers broad form coverage with worldwide territory, employee benefits liability, and contractual risk transfer capabilities.
GL Coverage Scope:
- Primary/excess programs
- Products liability worldwide
- Employment practices liability
- Liquor liability endorsements
Industry GL Rates ($2M Limits):
| NAICS | Business Type | Monthly Rate |
|---|---|---|
| 325000 | Chemical Manufacturing | $145-$355 |
| 236220 | Commercial Construction | $185-$445 |
| 721110 | Hotels & Motels | $135-$325 |
| 541990 | Professional Services | $85-$205 |
Travelers Directors & Officers (D&O) Liability
Travelers D&O insurance serves public/private companies with Side A/D/F coverage, entity coverage, and employment practices liability up to $50M limits.
D&O Program Features:
- Non-rescindable Side A DIC
- Worldwide jurisdiction
- Regulatory investigations coverage
- Wage & hour defense
D&O Premium Structure:
| Revenue | Employees | Annual Premium |
|---|---|---|
| $10M | 50 | $15,000-$35,000 |
| $50M | 150 | $35,000-$85,000 |
| $250M | 500+ | $85,000-$250,000+ |
Travelers Commercial Umbrella Insurance
Travelers commercial umbrella provides seamless excess liability above primary programs with $5M-$100M capacity and drop-down coverage options.
Umbrella Capabilities:
- Follow-form/broad form
- Worldwide protection
- Buffer layer solutions
- Complex litigation defense
Travelers Insurance by Industry Sector
Manufacturing & Wholesale
- Manufacturers insurance comprehensive coverage
- Product liability insurance cost manufacturing
- Heavy equipment insurance industrial operations
- Commercial property insurance companies manufacturing
Hospitality & Real Estate
- Hotel insurance comprehensive programs
- Commercial real estate insurance property coverage
- Restaurant insurance cost per month hospitality
- Property management insurance operations liability
Construction & Engineering
- General construction insurance contractors
- Architects professional liability insurance
- Engineering insurance professional indemnity
- Builders risk policy construction projects
Professional & Financial Services
- Professional indemnity insurance for accountants
- Management liability insurance executives D&O
- Accountants professional liability insurance
- Financial services errors omissions coverage
Travelers Complete Articles & Guides Hub
Central repository for Travelers commercial insurance sophisticated risk management content:
Published Travelers Guides:
• Travelers Business Owners Policy (BOP) 2026: Mid-Market Coverage Guide
• Travelers Commercial Property Insurance: Manufacturing & Wholesale Programs
• Travelers Workers Compensation vs Liberty Mutual: Industrial Comparison
• Travelers Directors & Officers Insurance: Private Company Protection
Coming Soon:
• Travelers Hotel & Hospitality Insurance Packages 2026
• Travelers Construction Insurance: Contractors & Engineers
• Travelers Product Liability Insurance for Manufacturers
• Travelers Commercial Umbrella: Complex Risk Solutions
Travelers Premium Comparison Chart
Annual Costs for Manufacturing Businesses (2026):
| Coverage | Travelers | Liberty Mutual | Chubb | Hartford |
|---|---|---|---|---|
| Workers Comp ($1M payroll) | $6,500 | $7,500 | $8,500 | $7,000 |
| BOP ($2M revenue) | $3,600 | $4,200 | $4,800 | $3,800 |
| Commercial Property ($5M) | $28,500 | $32,500 | $42,500 | $30,000 |
| D&O ($2M limit) | $55,000 | $65,000 | $75,000 | $60,000 |
| Umbrella ($10M) | $25,000 | $28,500 | $35,000 | $27,500 |
Travelers Financial Strength & Risk Expertise
Institutional Strengths:
• AM Best: A++ (Superior)
• Risk Control Engineering division
• Global catastrophe capacity
• Complex litigation specialists
• Fortune 100 financial strength
Market Position:
• Top 10 commercial lines writer
• Manufacturing leadership
• Mid-market property specialist
• D&O market innovator
Frequently Asked Questions
What is Travelers BOP insurance cost for manufacturers?
$195-$625 monthly for light manufacturing/wholesale businesses with $1M-$5M revenue and enhanced property/business income coverage.
Does Travelers specialize in commercial property insurance?
Yes, sophisticated property programs for manufacturing, wholesale, and real estate with blanket coverage, 24-month business income, and supply chain protection.
Can Travelers provide workers compensation for construction?
Yes, large deductible programs, multi-state coverage, and construction-specific loss control for contractors and industrial employers.
What D&O insurance does Travelers offer?
Comprehensive Side A/D/F coverage for private companies with regulatory defense, wage/hour protection, and limits up to $50M.
How much is Travelers general liability for hotels?
$135-$325 monthly for $2M limits covering hospitality risks including liquor liability and employment practices.
Does Travelers cover architects and engineers?
Yes, professional liability insurance with worldwide coverage for design professionals and engineering firms.
What makes Travelers good for wholesale businesses?
Product liability, commercial property, and supply chain coverage with strong inland marine capabilities for distributors.
Can restaurants get Travelers commercial insurance?
Yes, property, general liability, liquor liability, and workers comp for hospitality operations with business interruption protection.
How do I get Travelers commercial insurance quotes?
Through independent agents, broker network, or online platforms with sophisticated underwriting for complex risks.
Obtaining Travelers Coverage
Sophisticated Placement Process:
- Broker/Agency Network – Connect with appointed commercial specialists
- Risk Engineering Review – Optional on-site assessment for property/manufacturing
- Account Underwriting – Portfolio approach for multi-line programs
- Custom Solutions – BOP, property, D&O integrated packages
- Risk Management – Dedicated consultants post-placement
Best For: Manufacturing, wholesale, mid-market property risks, and companies needing complex D&O/umbrella programs.
Travelers Insurance Complete Hub – Updated January 2026. Sophisticated BOP, commercial property, workers comp, D&O coverage resource for USA manufacturing, hospitality, construction businesses. Premiums reflect mid-market positioning.