Travelers has been in the insurance industry for over 160 years. The company’s focus on innovation, expertise, and customer service has earned a reputation as one of the best property casualty insurers in the industry. The company has around 30,000 employees and 13,500 independent agents in the United Kingdom, the United States, Canada, Ireland, and Brazil.

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The Good

  • Coverage Selection
  • Umbrella Insurance Coverage
  • Commercial Umbrella

Coverage Selection

Travelers offers its members several different types of personal insurance coverage such as home, car, and renters insurance. However, Travelers also offers the following:

  • Condo insurance
  • Boat and yacht insurance
  • Landlord insurance
  • Umbrella insurance
  • Jewelry and valuable items coverage
  • Wedding and events insurance

Umbrella Insurance Coverage

Travelers Umbrella insurance provides extra liability coverage that allows members to protect their assets. Members can add an extra $1 million up to $10 million of liability coverage. The coverage includes claims for libel, slander, defamation of character, and invasion of privacy. An umbrella policy may help cover defense costs and attorney fees. A Travelers umbrella policy can be added onto a home or insurance policy, but can also be added onto other policies.

Commercial Umbrella

While a Commercial General Liability, Commercial Automobile Liability, or a Commercial Employers’ Liability policy covers most of what a business needs, adding a Travelers Commercial Umbrella policy adds another layer of protection and peace of mind. The commercial umbrella policy may include the following:

  • Affordable second source of protection beyond primary insurance
  • Higher limits of liability for automobile, general liability and employers liability
  • Cover exposure gaps
  • Limits up to $25 million may be available for small business types

The Bad

  • Undisclosed Information

Undisclosed Information

If consumers are interested in learning more about a Travelers umbrella policy or about personal information, they will have to contact the company directly. The site states that the information found is general in its nature and the descriptions given are simplified. While coverage depends on specific facts, as well as the provisions, exclusions, and limits of the policy, it would be helpful to know if there any requirements or what information to have ready when speaking with a Travelers agent.

The Bottom Line

Travelers offers a decent amount of coverage in terms of personal insurance and even offers a commercial umbrella policy that extends the coverage for businesses. However, there is little information about the policies and what requirements are needed to qualify, coverage options, limits, discounts, deductibles, etc. To find any of this information, consumers will have to call the company and speak with an agent.

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