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小本生意
您已经建立了一家为之骄傲的业务。我们将帮助您保护它。

小本生意Insurance Products and Solutions

也许它始于爱好或大胆的职业举动。您创业是有原因的,并进行了巨大的投资。商业保险有助于保护您的投资免受意外事件的财务影响,例如员工伤害,诉讼,自然灾害或人造事件。

合适的保险公司还可以提供洞察力和指导,以帮助您管理风险并避免索赔。这就是为什么对您的商业保险做出明智的选择会对您的业务的整体福祉产生重大影响。

查找
Business Owner's Policy

Business Owner's Policy

结合财产和责任保险,提供捆绑且负担得起的解决方案,以满足您的小型企业的一般需求。

Workers Compensation

Workers Compensation

Provide benefits to your employees and protect your business when a work-related injury occurs.

小企业数据泄露

小企业数据泄露

网络保险不能阻止数据泄露发生。但是,当数据泄露发生时,它可以帮助您准备并做出响应。

专业责任

专业责任

Protect your business from liability risks resulting from professional services, advice or recommendations provided by your business.

就业实践责任

就业实践责任+SM

Protect your business from liability risks if an employee should claim wrongful employment practices.

Commercial Auto

Commercial Auto

无论您是偶尔开车去现场会议还是每天向客户运送产品的驾驶员,都可以在旅途中保护您的业务。

Commercial Umbrella

Commercial Umbrella

发生灾难时,为您的业务提供了强大的保护层。

Management and Professional Liability

Management and Professional Liability

Flexible coverages such as Fidelity and Crime, Fiduciary Liability, Kidnap & Ransom, and Directors和Officers for your business.

BIEE

业务收入和额外费用保险

在修理或更换财产时,帮助更换收入和支付费用。

General Liability

商业一般责任保险

Protection for your small business in the event that someone makes a claim against it.

财产保险

商业物业保险

Helps protect the business property you own, lease or rent, including assets like your buildings, equipment, and inventory.

船上的人写项目计划

一个rchitects, Engineers & Surveyors

Each project you work on is unique - and your insurance coverage should be too. Your clients depend on you to deliver on deadline and minimize the potential for design errors, and you can depend on us to provide a complete suite of property and casualty coverages to help protect your business and employees throughout the process.

金融服务

金融服务

我们削减了铅笔,为金融服务公司创建合理的保险解决方案 - 从会计师和财务顾问到抵押经纪人和财务计划服务。

Healthcare Practices

Healthcare Practices

Travelers business insurance protects medical professionals, including dentists, physical therapists and more with healthcare business insurance. Learn more today.

个人护理服务

个人护理服务

You work hard to keep your clients looking good, but we think you deserve a little attention yourself – like protection designed to make barbers, beauty salons and day spas look and feel their best.

宠物护理服务

宠物护理服务

Unlike our furry feline friends, your small business doesn't have nine lives. Our policies are designed to protect the needs of businesses like pet groomers, pet stores, and veterinarians – because our four-legged friends count on you.

Professional Services

Professional Services

你提供一个高水平的专业知识和指导that your customers trust and value. We offer the same when it comes to protecting specialty services – from interior designers to real estate agents.

零售店

零售店

Matching your customers with the right product is vital to your success. It's vital to ours as well! From florists to hardware stores, we provide solutions designed to meet your retail store needs.

服务业务

服务业务

Service businesses, including dry cleaners, funeral homes and photographers, are near and dear to our hearts. We are kindred spirits in our pursuit to deliver tailored solutions for the real-world needs of our customers.

技术服务

技术服务

Step one to keep your clients' technology up and running – you need to be up and running too. Don't get your circuits crossed – get the key coverages IT consultants, software programmers and web developers like you need to protect your technology.

Risk Control

We have one of the largest Risk Control departments in the industry, and our scale allows us to apply the right resource at the right time to meet customer needs.

宣称

我们知识渊博的索赔专业人员将以速度,同情,正直和专业精神来满足您的需求。这是我们的业务,以帮助您保持业务。

Premium Audit

Your business operations may ebb and flow based on market conditions. That fluctuation could affect the amount you pay in insurance premium.

在线客户工具

MyTravelers®商业用途offers small business policy holders online access to pay your bill, get a copy of your policy, request certificates and more...

Pay Your Bill

去无纸化!支付你的商业保险法案,密苏里州nitor your account and sign up for automatic recurring payments—all online.

小型企业保险常见问题解答 - 小型企业保险101

许多新企业主选择被称为企业主政策(BOP)。该政策包括专门为小型企业设计的覆盖范围。

一个boptypically covers three major items:

  • Property damage.与房主的保险单相似,这涵盖了对您的建筑物(拥有或租赁),设备,家具,固定装置,展示和库存的损坏。
  • Business interruption.如果承保损失袭击了您的商店或仓库,迫使您停止运营一段时间,则收入来源可保护您的业务收入损失。您还可以选择可选的保护,以涵盖您的情况,以防主要供应商受到影响。
  • 您的业​​务责任保险。如果您因因损失损失原因而被起诉或承担责任,则承担判决或和解支付的损失以及法律辩护费用。

企业通常需要携带多种保险,并且您的业务保险需求可能是高度个性化的。知识渊博的代理可以帮助您找到正确的解决方案。对于某些州而言,携带保险是必需的。要求也可能因您拥有的业务类型和员工人数而有所不同;但是,在大多数州,法律要求工人的赔偿,强烈建议使用。

除了BOP之外,您可能还需要其他类型的小型企业保险范围,该保险基于您所做的工作,公司的规模和位置。这些可能包括:

  • 家庭企业的保险。即使您在家工作,您仍然需要确保您的业务。通常,房主的保险为家庭与业务相关的物业和设备提供了适当的覆盖级。
  • 专业责任保险。This may be required as a separate policy, in addition to the BOP, to cover losses related to liability claims arising from mistakes or lapses of professional duties. Businesses offering professional services to their customers will often purchase this type of policy.
  • 商业汽车保险。公司拥有的车辆将需要通过商业汽车政策进行保险。
  • Health insurance.一个s a self-employed person, you may need to provide health insurance for yourself, your family and your employees.
  • 网络保险。基于互联网的企业或在线存储记录的企业可能需要额外的网络保护,以防止数据泄露和恶意计算机入侵的风险。
  • 商业雨伞保险。Provides liability coverage beyond the basic business insurance policy limits in the case of a catastrophic auto- or business-related event.

随着业务的扩大,您可能会超越标准企业主的政策,并需要更多的保护。最好每年审查您的保险范围,并确定任何其他保单是否会提供更有益的风险保护水平。

小型企业保险常见问题解答 - 找到合适的小企业保险

Business insurance can be adapted to your specific business needs. Recommended coverages often depend on the type of business you have and the risk protection your business will need to stay healthy and whole. At a minimum, you should carry business property and business liability insurance – this often comes in the core business owners policy, or BOP. If you've never shopped for a business policy, a Travelers agent can help you sort through the options and suggest policies that best fit your company. You can在这里找到代理商。

Risks, and therefore coverage needs, certainly vary by industry. A knowledgeable insurance agent can discuss which coverages companies similar to yours might carry. You can also view recommended coverage for key industries here.

您的代理商可以根据公司规模和行业建议最佳的责任承保范围。关键是要确保您有足够的覆盖范围,如果出现问题。确保与您的代理商公开谈论您的需求和相关成本,以帮助您为业务做出最佳决定。

一句话,是的。随着业务的增长,与保险代理建立牢固的专业关系将帮助您长期帮助您。选择与了解经营小型企业所面临的独特挑战并花时间了解您的特定保险需求的人一起工作。您的代理商将帮助您根据公司的需求量定制您的保险单,并帮助确保您受到保障。

一个s a business owner, you should always feel comfortable with the amount of insurance you carry. Insurance can help you recover from events that would otherwise threaten your company and reduce the likelihood of staying in business. The key is to ensure you understand the true value to repair or replace what you have. When customizing a policy, your agent should take your location, your industry risks and your personal risk tolerance into account.

小型企业保险101

小企业主查找保险条款

小企业保险词汇表

Here are some of the more important terms to help you understand your policy.

工人补充101

工人补充101

您的企业有员工吗?您可能需要拥有工人补偿保险。查看此覆盖范围如何保护您和您的员工。

General Liability 101

一般责任保险101

General liability can help you protect your business if someone claims that it caused them harm or loss and they take legal action. Here's what you need to know.

Property 101

商业物业保险101

There are many factors to consider when operating your own business, including the importance of having property insurance. Here's what you need to know.

Business Income and Extra Expense 101

业务收入和额外费用保险101

Business income and extra expense insurance can help your business meet its financial obligations in the event disaster strikes. Here's what you should know.

业务自动101

Commercial Auto Insurance 101

Does your small business need commercial auto coverage? Get answers to common questions about this insurance and find coverage that's right for you.

伞101

雨伞保险101

为什么对小型企业如此重要的雨伞保险政策?这是您应该知道的。

Insights & Expertise

零售保险覆盖方案

小零售业务场景

探索我们的一站式业务保护方法。

Workplace 2.0

Get the Next Desk Digest

一个simple and practical guide to understanding the risks a modern small business workplace faces.

The Modern Office Brings Emerging Risks

The Modern Office Brings Emerging Risks

The modern office can now mean workers contributing from remote locations, increased use of mobile technology and environmental changes like having pets in the office. Do you know how these changes pose new safety threats and liabilities for your business?

公路战士的人体工程学

公路战士的人体工程学

对于可能在传统办公室以外的各种偏远地区工作的现代工人来说,笔记本电脑和平板电脑的使用正在增加。

数据泄露

帮助保护公司数据的5种方法

作为企业主或员工,您可以采取许多预防性步骤,以帮助确保公司的数据安全。

Distracted Walking

分心在工作中行走有危险吗?

Distracted walking incidents have been on the rise in recent years. Create a distracted walking policy with distracted walking safety tips.

移动办公室的人体工程学

移动办公室的人体工程学

车辆人体工程学是旅途中工人健康和安全的关键。了解有关驾驶人体工程学的知识,以帮助预防移动时受伤。

How to Adjust Your Desk Chair and Workstation

How to Adjust Your Desk Chair and Workstation

Sitting at a desk all day can put stress on your body. Learn how to create an ergonomic workstation setup to help prevent injury.

现代办公室中的人体工程学

现代办公室中的人体工程学

The modern office sees new ways for employees to be productive, like exercise balls and standing desks. The improper use of these devices can lead to discomfort and injuries.

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The Travelers Indemnity Company and its property casualty affiliates. One Tower Square, Hartford, CT 06183
该材料不会修改或以其他方式影响旅行者发行的任何保险单或保证金的规定或承保范围。根据任何此类政策或债券,任何特定的索赔或损失都不存在或不存在覆盖范围。承保范围取决于索赔或损失所涉及的事实和情况,所有适用的政策或债券规定以及任何适用的法律。本文档中引用的覆盖范围的可用性可能取决于承保资格和州法规。
一个ll rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.

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