Travelers SME Office
Time to make it happen
Get time back on your side with Travelers SME Office, offering all the core office covers an SME firm needs in one simple but flexible package.
Helping you to cut back on paperwork and removing a layer of admin, you'll have more time to do what matters most: offering the best support to your clients.
Our appetite
We cover
These fall within our appetite, and we’re happy to discuss details.
- Accounting & auditing
- Administrative & business services
- Advertising companies
- Architecture
- Banking & building societies
- Chamber of commerce
- Clerical services
- Consultancies
- Design services
- Education & tutoring
- Employment agencies
- Engineers & surveyors
- Estate agencies
- Insurance (non-assessing)
- Investment companies
- Legal professions
- Marketing
- Public relations
- Secretarial services
- Surveyors
- Tech
- Ticket offices
- Tourist information
- Training
- Travel agencies
We’ll consider
We may need more information to confirm a fit.
- Call centres
- Commodity broking
- Insurance (assessing)
- Property management
- Trade associations
We do not cover
Sorry, we’re currently unable to insure the following.
- Auctioneers
- Complementary & beauty therapy
- Custom & shipping agencies
- Debt collection
- Event planning
- Leasing companies
- Media production
- Medical
- Money dealing services
- News agencies
- Trade unions
- Vet practices
Travelers advantage
In an increasingly complex business arena, office operations don’t always go to plan. Thanks to a detailed and bespoke underwriting process, Travelers offers expertise you can count on to address the diverse risks office locations face.
- 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.
- Rehabilitation. Aid injured employees return to work with Travelers Proactive Rehabilitation Support.
- eTrade Product – MyTravelers®. Product is available to eTrade on the MyTravelers portal.
- eTrade Product – Acturis. Product is available to eTrade on Acturis.
Advantage spotlight
You’ll be keen to know about the following.
Travelers’ SME office insurance product offers the following features that aren’t common amongst competitor offerings. Policyholders across the UK will have access to these unique advantages for extensive services that help boost confidence in their office operations.
Multinational reach
Travelers services the full vertical from micro-SME to multinational corporate. As a business grows, we can support broadening needs with tailored cover that addresses key exposures for offices in different parts of the world. Our office insurance policies tap into Travelers’ responsive ‘best network’ of regional insurance providers across more than 150 countries. Policyholders will benefit from access to robust covers determined by current and in-depth knowledge of local markets.
For further details, visit our Multinational insurance page.
First Recovery
Travelers’ SME office policyholders will have access to our disaster recovery service that provides practical support to help get office operations back up and running quickly and efficiently, in the event of an insured incident.
For further details, visit our First Recovery: Disaster Recovery Service page.
Legal sector enhancements
Travelers has developed an in-depth insurance package of property, liability and business interruption cover for legal firms, which also has direct access to our dedicated claims handling and risk management teams.
Discover more details on our legal sector enhancements.
SME Office
We’re big on SME
SME office is just one of the ways we’ve brought our specialist mid-market expertise to the SME space. Delivering the same comprehensive cover and outstanding service you’ve come to expect from us, it’s designed to suit the needs of smaller businesses.
With both the capacity and the product suite to partner with SMEs for the long-term, we can offer support from humble beginnings to bigger things.
And because we’re all about insuring ambition, you’ll always be confident that the growth mindset of you and your clients will be fully matched by our own.
SME office covers & highlights
-
Property damage*
-
Employers’ liability
-
Public liability
-
Business interruption*
-
Goods in transit
*Cover limit up to £50 million per policy, for the total property & business interruption sum insured
Up to £10 million per location for the property & business interruption sum insured
Max contents sum insured £7.5 million
Basket 1 (we’ve grouped these items by cover limits in two baskets)
- £10,000 per event
- Signs/fixed glass/sanitaryware
- Business contents kept at home
- Replacement locks
- Refrigerated stock
- Exhibitions (worldwide)
- Documents stored at third-party locations (UK)
- Computer records (reinstatement)
- Incompatibility of computer records
- Temporary removal of contents
- Computer breakdown (limits to match computer sum insured up to £100,000)
- Damaged equipment at outsourced service provider
- Works of art & precious metals
- Contents at home of partners, directors & employees
- Goods in transit
-
Money cover both on and away from the premises
-
Equipment kept at directors’ and employees’ homes, supporting the demands of flexible working
-
Free helplines for legal and tax advice, plus a counselling service
-
First Recovery disaster recovery service included as standard - providing office premises, IT and communications recovery within 24 hours of a major insured event
Basket 2 (we’ve grouped these items by cover limits in two baskets)
- £25,000 per event
- Damage to landscaping by emergency services
- Clearance of drains
- Trace & access
- Loss of metered water, gas, oil & electricity
Add-ons & extensions
These items may be available to add on to your policy
-
Terrorism**
** This cover is in the UK only
Related products
Mid-market & corporate office
Our office product is designed for a wide range of professional clients, including accountants, architects, banking organisations, estate agents, secretarial services, and solicitors and legal services.
Professional indemnity combined
Travelers’ professional indemnity (PI) combined product offers a comprehensive and convenient insurance solution, covering PI, property, liability and cyber fundamentals, with an option to include legal expenses.
SME property owners
Our products for small to medium enterprise (SME) property owners deliver the kind of comprehensive cover and outstanding service you’ve come to expect from us, thoughtfully tailored for small businesses.
SME cyber
Whatever the size of a business, cyber security is vital. Our services, covers and expertise can mitigate cyber attacks and help prevent them.
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
Ready to chat?
Let’s work together to build the right cover for your client.
Available to eTrade
Log in to MyTravelers® or Acturis.
MyTravelers
MyTravelers is a dedicated web platform for registered brokers.
Have a new business idea? Contact our Schemes team.
Insights & industry knowledge
Articles to help your ambition succeed
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.
Small and Medium-Sized Enterprises (SME) Resources
Do Your Micro Business Clients Have the Right Insurance?
Micro businesses have unique insurance needs. They are widely diverse in the trades they represent and depend on a small number of people to manage the many daily challenges of running a business.
Small and Medium-Sized Enterprises (SME) Resources
Smaller Management Consultancies May Underestimate This Key Protection
The management consulting profession is currently in a state of flux – and it’s generating uncertainty for both consultants and the businesses that need their expertise.
