Commercial Property Insurance

Stay resilient with property insurance for today's unique risks

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Commercial property insurance that protects against exposures today and tomorrow

Having the right commercial property coverage could mean the difference between a minor disruption to operations and a major financial loss. As one of the largest commercial property writers in the United States, you can trust Travelers to have a deep understanding of your everyday challenges. And, we can provide the expertise, resources and strength to help keep your operations running smoothly and your business resilient.


What is commercial property insurance?

Commercial property insurance is coverage that can protect your company's physical assets from unexpected events, including fires, windstorms, theft and vandalism. Physical assets covered by commercial property insurance could include the buildings you own or rent, office equipment, furniture, fixtures, inventory and other items you count on to support your daily operations. It can also include lost business income that results from physical property damage.

Through Travelers' accompanying loss prevention services, commercial property insurance can also deliver a competitive advantage by helping you identify and manage property-related risks specific to your company, allowing you to remain focused on your business. Travelers has expertise across many industries, helping companies identify and reduce property risks. 

When an unexpected loss causes disruption or even temporarily shuts down your business, your ability to recover quickly is critical. Travelers commercial property insurance can provide the support and financial assistance needed to get your business back up and running. 

Who is commercial property insurance coverage right for?

Commercial property insurance is for all businesses, especially those that have buildings, critical equipment and other property. For more than 150 years, Travelers has been a commercial property and casualty insurance provider. And, we offer commercial property protection for a wide variety of industries and businesses ranging from small to large to highly complex. We understand the evolving risks our customers face and offer solutions to address them. Our property insurance policies can be tailored to meet customers’ coverage needs by providing: 

  • Coverage confidence

  • Built-in flexibility

  • Services that matter

  • National scale with local presence

Frequently asked questions


What is small business commercial property insurance?

Travelers small business commercial property insurancecan help protect the business property you own, lease or rent, including assets like your buildings, equipment, furniture, fixtures and inventory. It can also help cover the costs to repair or replace stolen, damaged or destroyed property, including property and equipment that isn't yours but is in the care or custody of your small business. 

Who is small business commercial property insurance right for?

Commercial property insurance for small businesses is included in a Travelers Business Owner’s Policy (BOP). Our BOP is built to protect many types of small companies. This includes but is not limited to:


Travelers Deluxe®and OMNISM for midsized businesses 

Travelers Deluxe offers an integrated approach to packaging your business property insurance needs with a wide range of embedded coverages and built-in flexibility to reduce the need for add-on extensions and endorsements. 

OMNI for small to midsized businesses has an array of specialized optional coverages and limits available to tailor protection for customers. This policy can be designed to encompass the majority of property insurance needs for small to midsized businesses.


Flexible commercial property insurance for large, specialized and high-value businesses

Travelers offers tailored property protection solutions for high-value, complex risks across many industries. Our experienced National Property staff works closely with customers to develop a flexible policy that matches coverage needs. Our property specialists in Risk Control have the expertise to prevent or mitigate losses. 

Every business is unique. Count on Travelers to be your source for traditionally structured coverage as well as alternative solutions for complex coverage needs.

Travelers provides global coverage in conjunction with our strategic alliances in the International Network of Insurance (INI) in more than 150 countries.

Travelers is an industry leader in nontraditional and specialty market programs. In association with our program managers, we make it easy to place business within a variety of specialized markets, such as airplane hangars, nonprofits and educational institutions.

The Under Deductible Subrogation service program from Travelers is designed to help commercial property insurance customers pursue reimbursement for damage when the loss falls below their property insurance policy deductible.

Travelers offers excess capabilities typically attaching at $1,000,000 or greater.

Related products & solutions for commercial property insurance

Provides a broad array of standard coverage features specifically designed to meet the property and general liability needs of small commercial customers, with the flexibility to further tailor coverage to meet your specific business needs.

Supports employers and employees after a work-related injury or disease, delivered with a host of proprietary services to support positive outcomes.

Travelers commercial auto & trucking insurance offers quality products to protect your business on the road.

Travelers general liability insurance for businesses provides protection from a variety of claims.


Insights to help you manage risks at work and on the road

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