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Commercial Insurance

Electrican's Tools

General liability insurance (CGL)

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General liability insurance (CGL) is protection for your business in the event that someone makes a claim against it. On a daily basis, your company touches the lives of many people; whether that's your contractors, clients or customers. And, at any given point, one or several of these people could claim that your business has caused them harm, injury or loss and initiate legal recourse. Travelers will help you prepare and protect against these types of risks through our wide-range of general and business liability products. 

 

General Liability insurance covers a variety of claims for damages, ranging from:

 

  • Injuries on your property, such as slips or falls

  • Bodily injury or property damage to a third party caused by your work or your employee's activities

  • Liability of others, assumed under contracts

  • Bodily injury or damage to another's property arising from a defect in your product

  • Libel, slander, or business disparagement

  • Copyright infringement in your advertisement

Engineers and Businesspeople

Business Owner's Policy (BOP Insurance)

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A Business Owner's Policy (BOP Insurance) can help safeguard your company from property damage, loss and lawsuits in the wake of unforeseen events.

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Business Owner's Policy builds in many specialized coverages your business needs; plus it offers an array of coverage options to further tailor your policy to your specific business.

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Commercial General Liability Insurance
shields your business from covered claims and lawsuits that stem from your everyday business operations.

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Commercial Property Insurance
helps protect the business property you own, lease or rent, including assets like your buildings, equipment, furniture, fixtures and inventory.

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Business Income and Extra Expenses (BIEE)
provides coverage when your business shuts down temporarily due to a fire or other covered loss. It helps replace your income and covered expenses like rent, payroll and other financial responsibilities while your property is being repaired or replaced.

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Large Oil Truck

Owner Operator Truck Insurance

 As an owner and operator of your own truck and trucking business, your time is already split between navigating your business – and the road. We understand the importance of making it easy for you to make decisions about the specialized type of truck insurance you need, to protect what you've worked hard to build.

 

Owner operator liability

 

  • Identity fraud expense reimbursement

  • Family emergency travel

  • Additional insured capability at no charge

  • Trailer interchange

  • Non-trucking liability

 

Physical damage truck protection

 

  • Deluxe coverage form

    • Aggregate deductible

    • Diminishing deductible

    • Personal effects coverage

    • Downtime loss

    • Rental reimbursement

  • Combined deductible coverage

  • Electronic equipment coverage

    • Hired car physical damage coverage (Bailee coverage)

  • Identify fraud expense reimbursement

  • Windshield repair

  • Non-owned trailer while attached

  • Tarps, chains and binders

 

 

General liability for truckers

 

Cargo coverage

 

  • Cargo insurance coverage forms designed to meet specific needs of owner operator trucking operations – Premier Cargo and Custom Cargo

  • Broad coverage language

  • Hired car cargo

  • Customized trip endorsements

  • Up to $1 million catastrophe limit

 

Claims, risk control and filing Services

 

  • Responsive and specialized 24-hour claim handling services

  • Subrogation services

  • Experienced staff of risk control specialists to assist with fleet safety and DOT compliance

  • If required by law, state and federal highway motor carrier filings

  • Interest-free and flexible payment options

  • Risk Control Customer portal – extensive collection of free safety resources

  • Drive Times newsletter

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