Travelers Car Insurance

Travelers offers ridesharing insurance for transportation network company (TNC) drivers in Colorado and Illinois. The Limited Ride Sharing coverage endorsement extends personal car insurance to Uber and Lyft drivers who have their apps on but have yet to pick up passengers. 

Travelers offers two kinds of jewelry and valuable items coverage: Personal Articles Floater and Valuable Items Plus. Both coverage options can protect expensive possessions, like jewelry, antiques, fine art, furs, etc., better than your home insurance policy can. 

A Personal Articles Floater provides higher coverage for items specifically listed on your policy. There is no deductible for most types of valuables, and many risks are covered. A floater can be purchased separately from a homeowners insurance policy. 

A Valuable Items Plus policy offers higher, collective coverage for a specific category of valuables, like jewelry. This coverage is available as an add-on to your homeowners policy. 

Travelers offers standard and optional home insurance coverage to protect your house and personal belongings from a number of perils, including fire, windstorms, hail, lightning, and vandalism.

Basic homeowners insurance policies include:

• Dwelling coverage: Pays to repair or rebuild your home after a covered loss, up to the limit set in your policy. 
• Other structures coverage: Pays for covered damage to detached structures on your property, like a fence or garage.
• Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen. 
• Loss of use coverage: Pays for temporary living expenses, like hotel stays and meals, if your home is deemed uninhabitable after a covered loss. 
• Personal liability: Pays defense and settlement costs if someone sues you or a family member for bodily injury and/or property damage. 

Optional home insurance coverage from Travelers includes:

• Special personal property coverage: Covers your personal belongings from more perils than a basic home insurance plan.
• Contents replacement cost: Pays to replace damaged personal belongings at current market value price, regardless of depreciation or condition at the time of the loss. 
• Additional replacement cost protection coverage: Provides an additional amount of money to repair or rebuild your home if your dwelling coverage limits have been reached. 
• Jewelry and valuable items coverage: Provides higher coverage limits for expensive possessions, like jewelry, antiques, furs, etc. 
• Personal articles floater: A separate policy for individual valuable items that may require higher coverage limits. 
• Water backup and sump pump discharge or overflow: Pays to repair water damage caused by a sewer, drain, or sump pump within your home. Flood or surface water backup is not covered.
• Identity fraud: Reimburses you up to $25,000 for expenses related to restoring your identity after a theft.
• Green home coverage: Provides additional coverage for rebuilding, repairing, or replacing your home with eco-friendly materials after a covered loss. 

Travelers offers 12-month insurance policies for your boat and yacht, with a variety of extra benefits rolled into a basic coverage plan.

A basic boat and yacht insurance policy with Travelers includes coverage for:

• Physical damage: Pays to repair or replace your boat after a collision with another object or boat.
• Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at fault for an accident.
• Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen. 
• Towing and assistance: Reimburses you for in-water towing and services when your boat is stranded.
• Uninsured/underinsured boater: Pays for your medical bills, lost income, and damages after an accident if the at-fault boater has little or no liability insurance.
• Medical payments: Pays for medical and funeral expenses of the policyholder, passengers, or a member of the policyholder's family if they’re injured in an accident, regardless of who is at fault. 
• Fuel spills: Covers the cost to remove fuel spills and other wreckage from the water after a covered loss.  

Optional coverage includes:

• Agreed value: Pays to replace your boat and personal property for current market value, regardless of depreciation or the condition of your boat/items at the time of the loss. 
• Hurricane escape reimbursement for yachts: Covers half of the cost (up to $1,000 per occurrence and $2,000 per policy period) to move your yacht to safety during a windstorm watch. 

Travelers offers standard and optional renter insurance coverages to protect your personal belongings and liability. 

Standard renters insurance includes coverage for:

• Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen in your apartment or anywhere in the world. 
• Personal liability: Provides a minimum of $100,000 for defense and settlement costs if someone sues you for bodily injury or property damage. 
• Medical payments: Pays for medical expenses of guests (up to $1,000 per person) if they’re injured on your property, regardless of who is at fault. 
• Additional living expenses: Pays for temporary living expenses, like hotel stays and meals, if your apartment is deemed uninhabitable after a covered loss. 
• Improvements: Applies up to 10 percent of your personal property coverage to repair or replace damaged improvements you’ve made to your apartment unit. 

Additional renters insurance coverages include:

• Contents replacement cost: Pays to replace damaged personal belongings at current market value price, regardless of depreciation or condition at the time of the loss. 
• Valuable Items Plus: Offers higher, collective coverage for a specific category of valuable possessions, like jewelry. 

Travelers offers a variety of standard and optional condo insurance coverages to protect your personal belongings, liability, and your responsibility to your condo association.  

Standard coverage options from Travelers include:

• Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen. 
• Medical payments: Pays for medical expenses of guests (up to $1,000 per person) if they’re injured on your property, regardless of who is at fault. 
• Personal liability: Provides a minimum of $100,000 for defense and settlement costs if someone sues you for bodily injury or property damage. 
• Damage to property of others: Covers up to $1,000 per occurrence if you damage someone else’s property while it’s in your care. 
• Additional living expenses: Pays for temporary living expenses, like hotel stays and meals, if your condo is deemed uninhabitable after a covered loss. 
• Theft protection: Protects your personal belongings from theft whether they’re kept in your condo, car, or boat.
• Special limits of liability for certain possessions: Includes unique coverage limits for certain valuables. For example, Travelers offers $200 for money and coins, and $1,000 for the theft of jewelry, watches, or furs. 
• Dwelling, additions, and alterations: Provides damage coverage for the interior parts of your unit that you may be responsible for, such as glass, walls, and doors. 
• Loss assessment: In the event your condo association is found liable for injury or damage, and the claim is higher than their liability coverage, this pays up to $1,000 towards your share of the remainder of the claim.
• Other structures: Covers detached structures you own that aren’t considered shared property, like a carport or storage shed. 

Optional condo coverages include:

• Broadened coverage for contents: Provides personal property coverage for any kind of damage, regardless of peril or cause. 
• Contents replacement cost: Pays to replace damaged personal belongings at current market value price, regardless of depreciation or condition at the time of loss. 
• Valuable Items Plus: Offers higher, collective coverage for a specific category of valuable possessions, like jewelry. 

Travelers offers landlord insurance, also known as dwelling fire insurance, to protect your rental properties consisting of one to four apartment/condo units, and single- or multi-family houses. 

Travelers landlord insurance coverage options vary by state, but may include:

• Premises Liability: Provides $100,000 or more for bodily injury or property damage claims involving your rental property. 
• Property Coverages: Provides damage coverage for the rental property, other structures (like garages or sheds), and the landlord’s personal property that’s kept in rental units (such as appliances or furniture). 
• Medical payments: Pays up to $1,000 of medical expenses for a guest who is injured on your rental property. This doesn’t apply to you or residents of your rental property. 
• Loss of use: Reimburses you for loss of rental income at the fair rental price if your property is deemed uninhabitable after a covered loss. 

Should something go wrong on the big day, Travelers offers wedding and event insurance to protect your investment from a variety of risks. 

Standard wedding and event insurance includes coverage for:

• Cancellation or postponement: Covers cancellation or postponement due to a family illness, severe weather, or military deployment. 
• Event photographs/video: Protects you against photographers and videographers who don’t show up or deliver photos/videos when promised. 
• Event gifts: Coverage for wedding gifts.
• Special attire and jewelry: Covers lost or damaged dresses, attire, and jewelry, including wedding rings. 
• Lost deposits: Covers paid deposits that are lost when the baker, caterer, bridal boutique, or venue goes out of business before your event.
• Additional expenses: Pays for damaged wedding cake, spoiled food, and other mishaps in catering and entertainment. 

Additional coverage options from Travelers include:

• Liability: Provides coverage for bodily injury, property damage, and personal injuries to third parties at your event. 
• Liquor liability: Protects you against alcohol-related accidents at your event. Only available if you also purchase liability coverage.

Travelers umbrella insurance provides an additional $1 million to $10 million of personal liability coverage for lawsuits that exceed your home, auto, or boat coverage limits. 

Umbrella coverage can be used against worldwide claims of libel, slander, defamation of character, and invasion of privacy. In addition, this coverage pays for defense costs, attorney fees, and other related fees. 

Travelers offers a variety of commercial auto insurance coverages to protect your employees and vehicles. 

Standard plans are available for numerous industries; however, Travelers also offers customized policies for Northland Trucking, the public sector, and oil and gas companies. 

Basic commercial auto insurance coverages include:

• Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at fault for an accident. 
• Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 
• Collision: Pays to repair or replace your vehicle after a collision with another object, or if it rolls over. 
• Comprehensive: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. 

Travelers offers cyber liability insurance and proactive cybersecurity plans for a variety of organizations, such as small businesses, tech companies, public entities, and more. 

Policy options include:

• CyberRisk: Provides broad cyber liability coverage for businesses of all sizes. 
• CyberFirst for technology companies: Provides specialized coverage options for tech companies, including technology error and omissions liability, network and information security, communications and media liability, employed legal professional liability, and expense reimbursement. 
• CyberFirst for public entities: Provides worldwide cyber liability coverage for public entities, such as public schools, transit authorities, and more. 
• CyberFirst Essentials: Provides cyber liability coverage for small businesses that also have a Travelers Business Owners Policy (BOP). Coverage options include breach notifications, credit card monitoring, consulting and forensic fees, and defense and settlement costs. 

Travelers offers small business owners policies (BOPs) and a variety of other insurance products to protect you, your employees, and your investment. Travelers offers standard and premium levels of business owners policies, including: 

• Standard business owners policy (BOP): Combines property and liability insurance to protect your business from risks such as property damage, lost income due to suspended operations, and bodily injury, property damage, personal injury or advertising injury lawsuits. 
• Master Pac: Provides additional BOP coverages, such as building/property, business income and extra expenses, and general liability. 
• Power Pac Premier: Provides a collective limit of $250,000 for broad business coverage, including ordinance or law, direct damage and time element, water and sewage backup, computer fraud, and more. 

Other business-related coverages provided by Travelers include:

• Workers compensation: Provides employee benefits, and protects your business against work-related injury liabilities. 
• Small business breach data: Provides cyber liability insurance and cybersecurity plans.
• Professional insurance: Provides liability coverage if you’re sued for your professional services, advice, or recommendations.
• Employment practices liability: Provides liability coverage if an employee files a wrongful employment practice claim against you.
• Commercial auto: Provides car insurance for your business vehicles and the employees who drive them.
• Commercial umbrella: Provides up to $25 million for additional automobile, general liability, and employers liability coverage. 
• Management liability: Provides fidelity and crime, fiduciary liability, kidnap and ransom, and directors and officers coverage options. 
• Boiler and machinery: Provides coverage for equipment breakdown.
• Environmental liability: Provides protection against professional and pollution liability risks resulting from acts, errors, or omissions.
• Global insurance: Provides worldwide property and liability coverage for your business.
• Inland marine: Provides coverage for commercial property that is mobile in nature, including cargo shipments, museum fine art, and more. 
• Property: Provides coverage for your commercial buildings and equipment. 
• Ocean marine: Provides marine and non-marine coverage for marine services suppliers, marine transportation and construction, ocean cargo, and luxury yacht owners.