Mid-market and Corporate Office Insurance
Travelers helps safeguard office operations for larger businesses
For mid-market and corporate businesses, running offices can present many logistical challenges. Travelers’ specialist team has extensive experience and expertise in helping overcome these challenges and keeping office operations on-track.
We provide comprehensive cover for a wide range of professional and other office-based businesses from accountants to legal firms. What’s more, our expert risk managers can advise on potential risks, and our dedicated Claims team provides support if something goes wrong. Companies trust Travelers to support their office locations and the key role they play on their growth and sustainability journey.
Our appetite
We cover
These fall within our appetite, and we’re happy to discuss details.
- Accounting and auditing
- Administration and business services
- Banking and finance
- Barristers
- Chamber of commerce
- Consultancies
- Insurance and reinsurance investment dealing
- Notaries
- Paralegal services
- Public relations
- Secretarial services
- Solicitors
We’ll consider
We may need more information to confirm a fit.
- Architects and planning consultants
- Consumer finance companies
- Credit card companies
- Estate agents
- Loan servicing
- Money transmission services
- Insolvency practitioners
- Commodity brokers
We do not cover
Sorry, we’re currently unable to insure the following.
- Debt collection services
- Trades that are not predominantly clerical/service based (although we may have an alternative solution for some of these – speak to us!)
Travelers advantage
Mid-market and corporate businesses face a diverse range of challenges around the world, meaning office operations aren’t always straighforward. Travelers offers expertise you can count on to both prevent and address the evolving risks office locations face, thanks to a detailed and bespoke underwriting process.
- Financial strength. Financial strength and stability with international reach.
- Experience & expertise. Long-term industry experience combined with deep specialist underwriting expertise.
- Superior claims service. Expert Claims teams focused on delivering superior service.
- Dedicated risk managers & consultants. Access to risk consulting from trusted experts.
- First Recovery. Disaster recovery service to get a business back up and running after an insured event.
Advantage spotlight
You’ll be keen to know about the following.
Travelers’ office insurance products hold a number of features that distinguish them from competitor offerings. Policyholders across the UK will have access to these unique advantages to help their office locations operate with maximum confidence.
Multinational reach
Travelers can tailor cover that addresses key exposures for companies with offices in more than 150 countries. With a responsive network built up through our ‘best-of’ approach, policyholders will have access to covers determined by current and in-depth knowledge of local markets.
For further details, visit our Multinational insurance page.
Criminal Protection Response
Many mid-market sized companies operate on a global basis, with offices located in multiple countries. Travelers Criminal Protection Response (CPR) is there for businesses that do not have the in-house capability to handle criminal incidents that occur outside of their UK locations.
For more information, visit our Criminal Protection Response page.
Legal sector enhancements
Travelers’ legal sector enhancements offer an extensive insurance package of property, liability and business interruption cover for legal companies. In addition, policyholders will have direct access to our dedicated claims handling and risk management teams.
You can read more on Travelers’ legal enhancements over at our office overview page.
First recovery
Helping to get businesses back up and running
Many businesses worry about an unexpected incident causing an unavoidable pause in regular operations. That’s why Travelers includes the First Recovery service as standard, with no extra cost to our office insurance policyholders.
This disaster recovery service offers practical help and support which businesses will need to operate as normal ASAP. Should an insured event such as fire, flood or explosion occur on premises, policyholders will be covered for:
- Temporary business relocation − including up to 12 employees − to one of 500 recovery locations around the UK
- IT network, broadband, reception and printing facilities provided, so affected businesses can continue operating with minimal impact to staff and customers
- Reinstatement of email domain and redirection of phone calls
- An event manager who will attend the relocation and oversee service delivery on site
With First Recovery, an incident doesn’t need to stall office operations.
Mid-market and corporate office covers & highlights
-
Property damage
-
Business interruption
-
Computer breakdown
-
Employers’ liability
-
Public liability
-
Terrorism
-
Minimum premium of £5,000 per annum
Add-ons & extensions
These items may be available to add on to your policy
Legal expenses cover
Even when business is going well, a company can face a broad range of legal challenges, from disputes with staff to issues with contracts. If a company needs to defend a claim, our legal expenses cover can protect them against the associated expenses.
Business questions
These questions will give you a sense of the information needed to write a policy.
- For a property to be insured, Travelers needs to know the full construction information. We’ll ask:
- Are there any composite panels?
- If so, what is the core filling?
- What is the security and access control procedures for the premises?
- What employee support programmes do you provide?
- Is there a current employee training regime?
- What counselling or similar support services do you have in place for employees?
Lets get specific
These are the kinds of detailed questions we will ask to better understand day-to-day operations.
Where a higher money limit or computer sum insured is declared, we’ll need to understand the security of the premises in more detail. We’ll ask for details on alarms and maintenance contracts, as well as any physical security and security patrols.
To insure a property, we’ll ask for full construction information; if there are any composite panels, we’ll need to know the core filling. We’ll also want to understand the security and access control procedures for the premises.
Although office/clerical trades are generally seen as a lower employers’ liability risk, there is still the need to ensure strong levels of staff training, ongoing engagement and staff well-being support.
Some businesses, particularly those in the legal and financial sectors, can be highly pressurised. That’s why it’s important for us to have a good understanding of these operational aspects. This will include questions around ongoing training regimes and counselling, or other similar support services in place.
Related products
SME office
By streamlining essential office policies into one easy-to-manage package, Travelers helps you cut back on labour-intensive paperwork.
Professional indemnity
Businesses that provide professional advice or services to customers may face allegations of negligence. Professional indemnity cover can protect these companies from potential financial losses when defending against those claims.
Let’s start the right conversation
For business
Find a broker
If you’re looking for covers and have a broker, ask about Travelers products.
If you need a broker, start with the right broker directory.
Need to call us directly? Contact us.
For brokers
Let’s save some time
Let’s work together to build the right cover for your client. Your local Travelers office is the best starting place for this. You can find them listed here.
Resources
Insights & industry knowledge
Articles to help your ambition succeed
Risk Management Resources
Risk Management for Offices
Our Risk Control team can help prevent or mitigate losses for offices through advising on ergonomic risk control, slips and trips prevention, electrical fire prevention and more.
Small and Medium-Sized Enterprises (SME) Resources
Office Risks Generate Frequent Claims for Smaller Businesses – but They Don’t Have To
If protecting against office risks falls down the priority list for smaller businesses, meaningful disruptions and damage can result.
Risk Management Resources
Prevent Crime, Vandalism & Arson
Advice on how to prevent crime, vandalism and arson.
