--- title: "Travelers vs Markel Insurance" description: "Compare Travelers and Markel for cyber liability, including quote access, policy terms and account service." canonical: "https://spot.insure/compare/markel-vs-travelers" page-type: "provider-comparison" updated-at: "2026-09-30" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/markel-vs-travelers) # Travelers vs Markel Insurance Compare Travelers and Markel for cyber liability, including quote access, policy terms and account service. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Highlights Travelers describes property-casualty insurance for businesses, including a technology practice for startups through established tech companies. Markel’s U.S. small-business description names child care and enrichment, commercial and residential services, sports and fitness, and manufacturing. Both catalogues list Cyber liability, Technology errors and omissions (E&O), Workers’ compensation; compare the actual product, issuer and service route for your business before treating those labels as equivalent. [25](https://www.travelers.com/business-insurance/technology "Technology Insurance") [45](https://www.travelers.com/about-travelers "Who We Are") [52](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [27](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [8](https://www.markel.com/us/commercial/small-business "Small Business Insurance") [1](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") [16](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage") ## Provider Reliability Assessments These sourced assessments are shown for context; this comparison does not select a winner. ### Markel Insurance Role: Insurance carrier. Carrier & MGA Spot Score: **7.1/10** (partial score; 85% of this role's weighting included). Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: Which Markel insurer issues a given product in a given state is not mapped on public pages. Use the insurer named on your quote or policy.; Only New York and California regulator records were opened for Markel Insurance Company. Authority in the other states is Markel's own statement.; The AM Best release and rating page could not be opened by automated tools this session. The rating is taken from the release read earlier and from Markel's own table.; Penalty amounts and violation details for the New York consent order and the Texas orders could not be fully read. A second Texas order (2024) and a 2011 Florida consent order were located but not read.; A five-year search across every state was not done, and California's formal enforcement search would not return results.; Nebraska's latest 2025 summary was blank, so the most recent statutory financials shown are for 2024.; No reinsurance panel, third-party claims administrator or claim-decision authority is publicly mapped.; No independent measure of commercial claim service was found.). Read the [full reliability assessment](https://spot.insure/insurance-providers/markel/reliability). ### Travelers Role: Insurance carrier. Carrier & MGA Spot Score: **6.1/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Financial Resilience (AM Best rates The Travelers Indemnity Company A++ (Superior) with a stable outlook, but a rating is an opinion, not a financial statement. Standalone statutory figures for the named insurers were not collected and the other financial evidence describes the consolidated group, so the issuing entity’s own resources are not established.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://spot.insure/insurance-providers/travelers/reliability). ## Markel Insurance Reviews Review Score: 7.5 / 10 from 2 rated sources, equally weighted. There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years. - J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf) - Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com) - BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints) - BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/markel/reviews). ## Travelers Reviews Review Score: 4.8 / 10 from 3 rated sources, equally weighted. Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance. - NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for Travelers](https://www.nerdwallet.com/business/insurance/learn/travelers-business-insurance) - Trustpilot: Trustpilot TrustScore 1.4 (5 stars); 144 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for Travelers](https://www.trustpilot.com/review/travelers.com) - ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.3 (5 stars); 331 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-21; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for Travelers](https://www.consumeraffairs.com/insurance/travelers.html) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/travelers/reviews). ## Introduction Travelers markets technology insurance to startups and established industry leaders, including software developers and platforms, technology consultants, IT staffing companies, network integrators, electronics manufacturers, telecommunications firms and platform-economy companies. For a business considering cyber liability, the practical difference is the entry point: Travelers describes an agent-assisted quote route, while Markel distributes through wholesale and retail channels. Compare what fits your buying team and operations, then verify the actual product and terms. [25](https://www.travelers.com/business-insurance/technology "Technology Insurance") [1](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") [27](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [16](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage") ## Coverage Comparison | Coverage Type | Markel Insurance | Travelers | | --- | --- | --- | | [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: Markel builders risk [21](https://www.markel.com/us/industries/construction/large-builders-risk "Builders Risk Insurance") | Not listed | | [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Not listed | Listed: Travelers offers business owner’s policies for small technology-services businesses. [26](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") | | [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: Markel cargo and transit coverage [20](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance") | Listed: Travelers offers cargo insurance through its transportation, cargo and logistics offering. [37](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") | | [Commercial auto](https://spot.insure/coverage/commercial-auto) | Not listed | Listed: Travelers offers commercial auto insurance. [25](https://www.travelers.com/business-insurance/technology "Technology Insurance") | | [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Markel commercial property [19](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") | Listed: Travelers offers commercial property insurance. [25](https://www.travelers.com/business-insurance/technology "Technology Insurance") | | [Crime](https://spot.insure/coverage/crime) | Listed: Markel Cyber 360 eCrime component (standalone product not established) [16](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage") | Listed: Travelers offers commercial crime insurance. [36](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") | | [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Markel Cyber 360 [16](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage") | Listed: Travelers offers cyber insurance through CyberRisk Tech for technology and life-sciences companies. [27](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | | [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Markel private and nonprofit D&O [18](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") | Listed: Travelers offers directors and officers liability insurance. [33](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") | | [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Markel employment practices liability [18](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") | Listed: Travelers offers employment practices liability insurance. [35](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") | | [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Listed: Equipment-breakdown option within property coverage; standalone product not established [14](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") | Listed: Travelers offers equipment breakdown insurance. [39](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") | | [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Not listed | Listed: Travelers offers ERISA fidelity bonds. [38](https://www.travelers.com/surety-bond "Surety Bonds") [32](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") | | [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Markel fiduciary liability [18](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") | Listed: Travelers offers fiduciary liability insurance. [34](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") | | [General liability](https://spot.insure/coverage/general-liability) | Listed: Markel small-business casualty and property [14](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") | Listed: Travelers offers general liability insurance. [25](https://www.travelers.com/business-insurance/technology "Technology Insurance") | | [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) | Listed: Hired/non-owned auto option in small-business casualty; not commercial auto [14](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") | Not listed | | [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Not listed | Listed: Travelers offers kidnap and ransom insurance. [32](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [43](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") | | [Liquor liability](https://spot.insure/coverage/liquor-liability) | Listed: Markel liquor liability [14](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") | Not listed | | [Management liability](https://spot.insure/coverage/management-liability) | Listed: Markel management liability [18](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") | Listed: Travelers offers management liability insurance. [32](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") | | [Media liability](https://spot.insure/coverage/media) | Listed: Markel Cyber 360 media liability component (standalone product not established) [16](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage") | Listed: Travelers offers media liability insurance through CyberRisk Tech for technology and life-sciences companies. [27](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | | [Product liability](https://spot.insure/coverage/product-liability) | Listed: Markel products liability [14](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") | Not listed | | [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Markel ProBiz miscellaneous E&O [17](https://www.markel.com/us/commercial/professional-and-management-liability/probiz "ProBiz | Professional Liability Coverage") | Listed: Travelers offers professional errors and omissions insurance. [51](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") | | [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: Markel Surety bonds [23](https://www.markel.com/us/surety "Markel Surety") | Listed: Travelers offers surety bonds. [38](https://www.travelers.com/surety-bond "Surety Bonds") | | [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed: Markel Cyber 360 technology professional liability component (standalone product not established) [16](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage") | Listed: Travelers offers technology errors and omissions insurance through CyberRisk Tech for technology and life-sciences companies. [25](https://www.travelers.com/business-insurance/technology "Technology Insurance") [27](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | | [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Listed: Markel commercial inland marine [20](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance") | Listed: Travelers offers inland marine insurance. [37](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") | | [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Markel excess casualty and umbrella [22](https://www.markel.com/us/commercial/casualty/excess-casualty "Excess Casualty Insurance") | Listed: Travelers offers commercial umbrella and excess liability insurance. [25](https://www.travelers.com/business-insurance/technology "Technology Insurance") [50](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") | | [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Markel Workers Compensation [15](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance") | Listed: Travelers offers workers’ compensation insurance. [25](https://www.travelers.com/business-insurance/technology "Technology Insurance") [49](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") | A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## Key Differences Between Travelers and Markel Insurance ### Know Which Party Arranges the Policy Travelers sells property-and-casualty insurance through its operating subsidiaries; The Travelers Companies, Inc. is the holding company, not the policy issuer. Policies may name The Travelers Indemnity Company or another affiliate. Travelers tells business buyers to get a quote through an independent agent, using a public agency locator. Its 2025 Form 10-K says Select Accounts uses an automated underwriting platform so agents can quote, bind and issue a substantial amount of small-business risks, while more complex risks are underwritten with company personnel. Markel describes Markel Insurance as the insurance operations within Markel Group Inc., a Virginia holding company. Markel’s U.S. Wholesale and Specialty division distributes through wholesale and retail channels, with limited small-account binding authority; some direct marketing applies to certain admitted products and programs. [52](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [30](https://www.travelers.com/contact-us "Contact Us") [1](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") That difference matters if you want to work through an existing adviser, compare several insurers, or start from a self-service application. Ask whether your chosen producer can access the Travelers product and the relevant Markel division for your state, and who is responsible for presenting the final terms. A brand name or online intake does not identify the insurer that will issue the policy. [30](https://www.travelers.com/contact-us "Contact Us") [1](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") ### Use Shared Lines to Frame the Quote Both companies list Cyber liability, Technology errors and omissions (E&O), Workers’ compensation. The cyber liability description for Travelers says “Travelers offers cyber insurance through CyberRisk Tech for technology and life-sciences companies”; Markel’s listing describes “Markel Cyber 360.” The difference can matter: one description may place a line inside a broader product or limit it to a component, while the other describes a separate offer. Confirm the exact policy structure and wording on each quote. [27](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [16](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage") [25](https://www.travelers.com/business-insurance/technology "Technology Insurance") [49](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [15](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance") Ask each respondent to name the exact product and form for cyber liability, then show how the proposal treats your revenue, services, locations, contracts and any physical operations. If the proposal places other lines separately, request a schedule that makes the separate policies and any intended coordination visible. Product names and catalogue entries alone cannot establish matched limits, exclusions or conditions. ### Compare the Work After the Quote The service arrangements also differ after submission: MyTravelers for Business lists online bill payment, claim reporting and tracking, policy documents and certificates. Markel describes commercial-agent portals for authorized users, including functions for listed lines; its U.S. account page separately lists documents, proof of insurance and payments for covered business products. [42](https://www.travelers.com/small-business-insurance/mytravelers "MyTravelers for Business Online Self-Service Capabilities") [10](https://www.markel.com/us/for-agents-and-brokers/commercial-lines "Commercial Lines Agents & Broker Support") [11](https://www.markel.com/us/my-account "My Account") Confirm who handles certificates, midterm changes, billing, renewal information and claim notification for the policy you are considering. If Travelers’s service is tied to an adviser or portal, ask whether your account and the proposed line qualify for it; do the same for the Markel product. Neither a group-wide service description nor a portal feature establishes a turnaround time or claim outcome. [42](https://www.travelers.com/small-business-insurance/mytravelers "MyTravelers for Business Online Self-Service Capabilities") [10](https://www.markel.com/us/for-agents-and-brokers/commercial-lines "Commercial Lines Agents & Broker Support") ## What to Confirm in Quotes - Which exact product and policy form is proposed for cyber liability, and what limits, retentions, exclusions and endorsements apply to our operations? - Who is the licensed producer and which legal insurer would issue each policy in our state? Is the placement admitted or surplus lines? - What information and documents should we prepare, who will submit them, and what still needs underwriting approval before binding? - Who will service the policy after binding, and what account, renewal, certificate and claim-notification functions are available for this product? Start with Travelers if its stated customer focus or buying route matches how your team wants to arrange this line. Ask Markel for a proposal when one of its listed small-business or specialty classes fits the exposure. Compare the named insurer, policy structure, state route and account-service responsibilities before choosing between them. [25](https://www.travelers.com/business-insurance/technology "Technology Insurance") [8](https://www.markel.com/us/commercial/small-business "Small Business Insurance") ## Compare Services What each provider documents about the services you may need. | Criteria | Markel Insurance | Travelers | | --- | --- | --- | | Business role | Markel describes Markel Insurance as the insurance operations within Markel Group Inc., a Virginia holding company. Markel Group's FY2025 filing identifies multiple underwriting subsidiaries. The insurer for a specific policy depends on the product, state and current quote or policy disclosures; Markel Insurance is not one standalone legal insurer. [1](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") [2](https://www.markel.com/about-us "About us") (Evidence: Company-reported; scope: U.S. commercial-insurance identity and parent/business relationship; not a product-specific issuer assignment.; verified: 2026-09-29.) | Travelers sells property-and-casualty insurance through its operating subsidiaries; The Travelers Companies, Inc. is the holding company, not the policy issuer. Policies may name The Travelers Indemnity Company or another affiliate. [52](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [53](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [45](https://www.travelers.com/about-travelers "Who We Are") [31](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") (Evidence: Verified; scope: Group role as of 16 September 2026. The legal insurer on a buyer’s policy is the company named in that policy or binder, which can differ by product and state.; verified: 2026-09-16.)

Travelers says it primarily sells U.S. insurance through independent agents and brokers, whom it calls producers and who are not Travelers employees. It also owns Simply Business, Inc. and InsuraMatch, LLC, licensed digital independent agencies it says operate nationwide. [31](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [30](https://www.travelers.com/contact-us "Contact Us") [53](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") (Evidence: Company-reported; scope: U.S. distribution disclosure. Ownership of digital agencies does not establish that those agencies place technology business insurance for a given buyer, including in California.; verified: 2026-09-16.) | | Customer focus | Markel's U.S. small-business page lists child care and enrichment, commercial and residential services, sports and fitness, and manufacturing among the segments it describes. Separately, its FY2025 filing describes Markel Insurance's global specialty business as underwriting hard-to-place risks; that wording is not specific to U.S. Wholesale and Specialty. [8](https://www.markel.com/us/commercial/small-business "Small Business Insurance") [1](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") (Evidence: Company-reported; scope: Company-stated U.S. small-business examples and separate global business characterization; neither establishes eligibility.; verified: 2026-09-29.) | Travelers markets technology insurance to startups and established industry leaders, including software developers and platforms, technology consultants, IT staffing companies, network integrators, electronics manufacturers, telecommunications firms and platform-economy companies. A separate small-business technology-services BOP is described for classes such as software development, web developers and IT consultants. [25](https://www.travelers.com/business-insurance/technology "Technology Insurance") [28](https://www.travelers.com/business-insurance/technology/information-technology "IT Insurance") [26](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: Company-described audiences on technology and small-business pages. Marketing to a class is not underwriting approval, and eligibility remains quote-specific.; verified: 2026-09-16.) | | Coverage lines | | On its technology pages, Travelers lists CyberRisk Tech (technology E&O and cyber options, including media and regulatory-proceedings agreements on the cyber page), Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto and umbrella. Other current offering pages list a small-business technology-services BOP, management-liability lines (D&O, EPL, fiduciary, fidelity and crime, kidnap and ransom), professional E&O, inland marine including cargo, equipment breakdown, surety and commercial umbrella/excess including a Northfield surplus-lines option. [25](https://www.travelers.com/business-insurance/technology "Technology Insurance") [27](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [26](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [32](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [51](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") [37](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") [39](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") [38](https://www.travelers.com/surety-bond "Surety Bonds") [50](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Company-reported; scope: Marketed catalogue from product and service pages accessed 16 September 2026. Labels are not policy wording, limits or endorsements, and not every line is offered in a combined technology package.; verified: 2026-09-16.) | | Application process | Markel's FY2025 filing says U.S. Wholesale and Specialty distributes through wholesale and retail channels on admitted and excess-and-surplus bases, including limited small-account binding authority. In 2025, 71% of this division's gross written premium was placed through wholesale brokers, 26% through retail agents and brokers, and the remainder through alternative channels. Certain admitted products and programs are marketed directly to consumers, but that does not establish online purchase or binding for every product. [1](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") (Evidence: Company-reported; scope: FY2025 Markel Insurance U.S. Wholesale and Specialty distribution; not the whole Markel Insurance business.; verified: 2026-09-29.)

For workers' compensation, Markel directs applicants to submit an online application or contact an appointed agent to request a quote; the reviewed page does not establish that purchase and binding are completed online. [9](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Markel U.S. workers' compensation page only; route to request a quote.; verified: 2026-09-29.)

Agencies can request a Markel appointment; Markel says appointments are made by affiliated insurer and product, and producers must hold the required state license. This is a producer onboarding route, not an insured's application path. [12](https://www.markel.com/us/for-agents-and-brokers/request-appointment-with-markel "Request appointment with Markel") (Evidence: Company-reported; scope: Commercial agency appointment information; not retail purchase process.; verified: 2026-09-29.) | Travelers tells business buyers to get a quote through an independent agent, using a public agency locator. Its 2025 Form 10-K says Select Accounts uses an automated underwriting platform so agents can quote, bind and issue a substantial amount of small-business risks, while more complex risks are underwritten with company personnel. Technology and CyberRisk Tech pages likewise tell buyers to consult an agent or Travelers representative; a direct public bind path for technology packages was not found on the reviewed pages. [30](https://www.travelers.com/contact-us "Contact Us") [47](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [25](https://www.travelers.com/business-insurance/technology "Technology Insurance") [27](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [53](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [46](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") (Evidence: Company-reported; scope: Application path described on contact, agent-locator, technology and 10-K sources. Automated small-commercial issuance is not evidence that a technology, D&O or cyber submission will quote or bind the same way.; verified: 2026-09-16.) | | Servicing and renewals | Markel describes agent portals for authorized commercial users to quote and bind listed lines and access account history, billing, claims details and policy documents. The page does not establish that every product supports every function. [10](https://www.markel.com/us/for-agents-and-brokers/commercial-lines "Commercial Lines Agents & Broker Support") (Evidence: Company-reported; scope: Commercial-agent portals; available functions vary by portal and product.; verified: 2026-09-29.)

Markel's U.S. account page lists policy documents, proof-of-insurance downloads, payments and automatic payments for covered business products and directs customers with unlisted products to the agent on the policy. Renewal handling and renewal terms were not established in this review. [11](https://www.markel.com/us/my-account "My Account") (Evidence: Company-reported; scope: Public portal description; not all products necessarily use the portal.; verified: 2026-09-29.) | MyTravelers for Business lists online bill payment, claim reporting and tracking, policy documents and certificates. The page lists real-time certificates without a segment footnote. Footnote 1 qualifies display of limits, deductibles and policy changes for Select Accounts and National Programs Commercial Multi-Peril customers. Footnote 2 limits adding additional interests while creating a certificate to Select Accounts and National Programs Commercial Multi-Peril Service Center customers. [42](https://www.travelers.com/small-business-insurance/mytravelers "MyTravelers for Business Online Self-Service Capabilities") [30](https://www.travelers.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Portal and contact descriptions as of 16 September 2026. Feature availability can differ by account segment; this is not a service-quality finding.; verified: 2026-09-30.) | ## Related Reading - [Markel Insurance: Specialty Business and Products](https://spot.insure/insurance-providers/markel) - [What Is Travelers Insurance?](https://spot.insure/insurance-providers/travelers) ## Related Comparisons - [AIG vs Markel Insurance](https://spot.insure/compare/aig-vs-markel) - [AIG vs Travelers](https://spot.insure/compare/aig-vs-travelers) - [Alliance Risk vs Markel Insurance](https://spot.insure/compare/alliance-risk-vs-markel) - [Alliance Risk vs Travelers](https://spot.insure/compare/alliance-risk-vs-travelers) - [Amelia Risk vs Markel Insurance](https://spot.insure/compare/amelia-risk-vs-markel) - [Amelia Risk vs Travelers](https://spot.insure/compare/amelia-risk-vs-travelers) - [Aon vs Markel Insurance](https://spot.insure/compare/aon-vs-markel) - [Aon vs Travelers](https://spot.insure/compare/aon-vs-travelers) - [Armilla vs Markel Insurance](https://spot.insure/compare/armilla-vs-markel) - [Armilla vs Travelers](https://spot.insure/compare/armilla-vs-travelers) - [At-Bay vs Markel Insurance](https://spot.insure/compare/at-bay-vs-markel) - [At-Bay vs Travelers](https://spot.insure/compare/at-bay-vs-travelers) - [The Baldwin Group vs Markel Insurance](https://spot.insure/compare/baldwin-vs-markel) - [The Baldwin Group vs Travelers](https://spot.insure/compare/baldwin-vs-travelers) - [Beazley vs Markel Insurance](https://spot.insure/compare/beazley-vs-markel) - [Beazley vs Travelers](https://spot.insure/compare/beazley-vs-travelers) - [Berkshire Hathaway Specialty Insurance vs Markel Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel) - [Berkshire Hathaway Specialty Insurance vs Travelers](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-travelers) - [biBerk vs Markel Insurance](https://spot.insure/compare/biberk-vs-markel) - [biBerk vs Travelers](https://spot.insure/compare/biberk-vs-travelers) - [CFC vs Markel Insurance](https://spot.insure/compare/cfc-vs-markel) - [CFC vs Travelers](https://spot.insure/compare/cfc-vs-travelers) - [Chubb vs Markel Insurance](https://spot.insure/compare/chubb-vs-markel) - [Chubb vs Travelers](https://spot.insure/compare/chubb-vs-travelers) - [CNA vs Markel Insurance](https://spot.insure/compare/cna-vs-markel) - [CNA vs Travelers](https://spot.insure/compare/cna-vs-travelers) - [Coalition vs Markel Insurance](https://spot.insure/compare/coalition-vs-markel) - [Coalition vs Travelers](https://spot.insure/compare/coalition-vs-travelers) - [Corgi vs Markel Insurance](https://spot.insure/compare/corgi-vs-markel) - [Corgi vs Travelers](https://spot.insure/compare/corgi-vs-travelers) - [Coterie Insurance vs Markel Insurance](https://spot.insure/compare/coterie-vs-markel) - [Coterie Insurance vs Travelers](https://spot.insure/compare/coterie-vs-travelers) - [Counterpart vs Markel Insurance](https://spot.insure/compare/counterpart-vs-markel) - [Counterpart vs Travelers](https://spot.insure/compare/counterpart-vs-travelers) - [Coverdash vs Markel Insurance](https://spot.insure/compare/coverdash-vs-markel) - [Coverdash vs Travelers](https://spot.insure/compare/coverdash-vs-travelers) - [Cowbell vs Markel Insurance](https://spot.insure/compare/cowbell-vs-markel) - [Cowbell vs Travelers](https://spot.insure/compare/cowbell-vs-travelers) - [Embroker vs Markel Insurance](https://spot.insure/compare/embroker-vs-markel) - [Embroker vs Travelers](https://spot.insure/compare/embroker-vs-travelers) ## Sources ### [Markel Insurance Official Website](https://www.markel.com/us) 1. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28. 2. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc. Accessed 2026-09-28. 3. [US Product Disclaimer](https://www.markel.com/us-product-disclaimer). Markel; U.S. underwriting/entity and state-availability disclaimer; identifies Markel West Insurance Services, California license #2E11302, for certain non-admitted coverage. It does not state Markel Service national producer license #27585 or California DBA license #0645481. Accessed 2026-09-29. 4. [Insurance Programs](https://www.markel.com/us/insurance-programs). Markel; FAQ and legal disclaimer at page end; coverage by Markel insurers, Markel Service, Incorporated national producer license #27585 and California DBA license #0645481, and Markel West Insurance Services California license #2E11302 for certain non-admitted products. Accessed 2026-09-29. 5. [AM Best Affirms Credit Ratings of Markel Group Inc. and Its Subsidiaries](https://news.ambest.com/pr/PressContent.aspx?altsrc=2&refnum=36790). AM Best; Press release dated November 21, 2025; paragraphs naming ratings, rating rationale, and Markel North America Insurance Group members. Accessed 2026-09-28. 6. [North America Producer Compensation Disclosure](https://www.markel.com/north-america-producer-compensation-disclosure). Markel; Base commissions, contingent compensation, business production/additional incentives, and Markel Specialty/Markel Service/insurer role statement. Accessed 2026-09-28. 7. [U.S. and Bermuda Claims Contacts](https://content.markel.com/api/public/content/f52fc789f11245b5b8acd14aa45e1847). Markel; April 2026 claims-contact PDF footer: Markel West, Inc. d/b/a Markel West Insurance Services, California license #0D95581; coverage by one or more Markel insurers and non-admitted routes. Accessed 2026-09-29. 8. [Small Business Insurance](https://www.markel.com/us/commercial/small-business). Markel; Small business products; Types of companies—Child care and enrichment, Commercial and residential services, Sports and fitness, Manufacturing. Accessed 2026-09-28. 9. [Workers Compensation Insurance](https://www.markel.com/us/commercial/small-business/workers-compensation). Markel; Introductory quote/application route; claims question and report-a-claim contact. Accessed 2026-09-28. 10. [Commercial Lines Agents & Broker Support](https://www.markel.com/us/for-agents-and-brokers/commercial-lines). Markel; mPortal and Markel Online access; resources; digital distribution. Accessed 2026-09-28. 11. [My Account](https://www.markel.com/us/my-account). Markel US; Online account portal capabilities; Business insurance; unlisted-product direction. Accessed 2026-09-28. 12. [Request appointment with Markel](https://www.markel.com/us/for-agents-and-brokers/request-appointment-with-markel). Markel; Commercial and personal lines agency partner criteria; product-specific affiliate appointments; producer-license requirement. Accessed 2026-09-28. 13. [Markel Insurance Companies](https://www.markel.com/our-insurance-companies). Markel; Notice to California and Massachusetts Applicants and Insureds; U.S.-domiciled property and casualty insurer subsidiaries and affiliates; table of company names and market status (page states current as of 2024-04-01). Accessed 2026-09-28. 14. [Small Business Casualty and Property Insurance](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property). Markel; What we offer; product/liability, property, general casualty, inland marine, excess umbrella, liquor liability, hired/non-owned auto, employee benefits liability, E&O and equipment breakdown references. Accessed 2026-09-29. 15. [Workers Compensation Insurance](https://www.markel.com/us/commercial/small-business/workers-compensation). Markel; Product overview and quote route; workers compensation/employers liability, eligible industries, claim and loss-control descriptions. Accessed 2026-09-29. 16. [Cyber Insurance Coverage](https://www.markel.com/us/commercial/professional-and-management-liability/cyber). Markel; Markel Cyber 360; coverages available, cyber incident response, business interruption, privacy/security liability, media liability and technology professional liability. Accessed 2026-09-29. 17. [ProBiz | Professional Liability Coverage](https://www.markel.com/us/commercial/professional-and-management-liability/probiz). Markel; What is Markel ProBiz; separate management liability and miscellaneous E&O; listed limits and qualifying business size. Accessed 2026-09-29. 18. [Private and Nonprofit Management Liability Insurance](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit). Markel; What we offer; private/nonprofit segment; D&O, EPL, fiduciary and optional coverage sections. Accessed 2026-09-29. 19. [Commercial Property Insurance](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property). Markel; Commercial property product summary and eligible risks. Accessed 2026-09-29. 20. [Commercial Inland Marine Insurance](https://www.markel.com/us/commercial/property/inland-marine). Markel; What we offer; inland marine classes, cargo, contractors equipment, transportation and coverage structure. Accessed 2026-09-29. 21. [Builders Risk Insurance](https://www.markel.com/us/industries/construction/large-builders-risk). Markel; Coverage features; construction projects and builders-risk scope. Accessed 2026-09-29. 22. [Excess Casualty Insurance](https://www.markel.com/us/commercial/casualty/excess-casualty). Markel; Excess and umbrella liability and admitted/non-admitted capabilities. Accessed 2026-09-29. 23. [Markel Surety](https://www.markel.com/us/surety). Markel; Products; contract bonds, commercial bonds, court and probate bonds. Accessed 2026-09-29. 24. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints). Better Business Bureau; Company complaints summary: 12 in last three years, 3 closed in last 12 months; complaint-category counts and displayed case examples; headquarters and corporate-owned locations. Accessed 2026-09-29. ### [Travelers Official Website](https://www.travelers.com/business-insurance/technology) 25. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16. 26. [Small Business Technology Services Insurance](https://www.travelers.com/small-business-insurance/technology-services). Travelers; Technology services BOP inclusions; eligible small-business classes; EPL+ and World Business Essentials add-ons; independent-agent CTA. Accessed 2026-09-16. 27. [Cyber Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech product description; insuring agreements including technology E&O, privacy and security, media, regulatory proceedings and breach response; Cyber Risk Services; agent consultation CTA. Accessed 2026-09-16. 28. [IT Insurance](https://www.travelers.com/business-insurance/technology/information-technology). Travelers; IT audience (software, consultants, staffing, network integration) and listed products including CyberRisk Tech and employment practices liability. Accessed 2026-09-16. 29. [Business and Commercial Insurance Policy Quotes](https://www.travelers.com/business-insurance). Travelers; Find an insurance agent CTA; product tiles including cyber, management and professional liability, BOP, surety, workers compensation; cost depends on risk factors; A.M. Best A++ company statement. Accessed 2026-09-16. 30. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 31. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16. 32. [Management and Professional Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance). Travelers; Management & Professional Liability product selection: D&O, EPL, ERISA fidelity, E&O, fidelity and crime, fiduciary, kidnap and ransom; stand-alone or suite; private, public, nonprofit and financial institutions. Accessed 2026-09-16. 33. [Directors and Officers (D&O) Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers). Travelers; D&O product description; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 34. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; Fiduciary liability offering for private, public, nonprofit and financial institutions; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 35. [Employment Practices Liability Insurance (EPL)](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices). Travelers; EPL product description for private, public, nonprofit and financial institutions; independent-agent CTA. Accessed 2026-09-16. 36. [Fidelity & Crime Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime). Travelers; Fidelity and crime insuring agreements including social engineering, computer fraud and employee dishonesty; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 37. [Inland Marine Insurance](https://www.travelers.com/business-insurance/inland-marine). Travelers; Inland Marine products: construction and specialized property, property in transit, computers and electronics; Transportation, Cargo and Logistics. Accessed 2026-09-16. 38. [Surety Bonds](https://www.travelers.com/surety-bond). Travelers; Listed bond types including bid/performance/payment, license and permit, and ERISA fidelity. Accessed 2026-09-16. 39. [Equipment Breakdown Insurance Coverage](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage). Travelers; EnergyMax 21 equipment-breakdown package, including high-tech businesses among stated audiences. Accessed 2026-09-16. 40. [Business Insurance Claims](https://www.travelers.com/business-insurance/claims). Travelers; 24/7/365 reporting via agent, online system or 800.238.6225; Technology claim unit since 1998; equipment-breakdown and inland marine claim units. Accessed 2026-09-16. 41. [File a Business Claim](https://www.travelers.com/claims/file-claim/business). Travelers; MyTravelers for Business login path to file a claim. Accessed 2026-09-16. 42. [MyTravelers for Business Online Self-Service Capabilities](https://www.travelers.com/small-business-insurance/mytravelers). Travelers; Pay bills, report and track claims, policy documents, certificates; footnotes limiting some features to Select Accounts and National Programs Commercial Multi-Peril customers. Accessed 2026-09-16. 43. [Global Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/global/technology-companion). Travelers; Global Companion Plus+ coverages; U.S. product described as non-admitted; INI network in over 150 countries; kidnap and ransom among listed coverages. Accessed 2026-09-16. 44. [Global Insurance](https://www.travelers.com/business-insurance/global). Travelers; Global insurance for U.S. companies doing business abroad; Global Companion Plus+ versus Controlled Master Programs. Accessed 2026-09-16. 45. [Who We Are](https://www.travelers.com/about-travelers). Travelers; Property-casualty insurer; more than 30,000 employees and 15,000 independent agents and brokers in the United States, Canada, the United Kingdom and Ireland. Accessed 2026-09-16. 46. [Benefit from the Personal Attention of a Travelers Independent Agent](https://www.travelers.com/about-travelers/value-of-an-agent). Travelers; Independent agents are not captive to one company; can help with claims and policy updates; Travelers.com/find agent CTA. Accessed 2026-09-16. 47. [Find the nearest Travelers Insurance agency](https://agent.travelers.com/search). Travelers; Public independent-agency locator for home, auto, business and renters insurance. Accessed 2026-09-16. 48. [Travelers Insurance agencies in CA](https://agent.travelers.com/ca). Travelers; Directory heading stating 1761 insurance agencies in California. Accessed 2026-09-16. 49. [Workers Compensation Insurance](https://www.travelers.com/business-insurance/workers-compensation). Travelers; Product description; buy via local Travelers agent; The Travelers Indemnity Company footer; monopolistic-state qualification. Accessed 2026-09-16. 50. [Commercial Umbrella and Excess Liability Insurance](https://www.travelers.com/business-insurance/commercial-umbrella). Travelers; Commercial Umbrella Insurance introduction; A/B umbrella, excess liability and Northfield excess and surplus lines; purchase through an independent agent. Accessed 2026-09-16. 51. [Errors and Omissions Insurance (E&O)](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions). Travelers; Professional E&O offerings including miscellaneous professional liability; independent-agent CTA. Accessed 2026-09-16. 52. [Travelers Investor Relations Corporate Profile](https://investor.travelers.com/home/default.aspx). The Travelers Companies, Inc.; NYSE: TRV; property casualty insurance for auto, home and business sold primarily through independent agents and brokers; operations in the United States and selected international markets. Accessed 2026-09-16. 53. [The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm). U.S. Securities and Exchange Commission; Item 1 Business: holding company; Business Insurance distributed through independent agencies and brokers; Select Accounts automated quote/bind/issue for many small risks; Bond & Specialty distribution; California premium-share tables. Accessed 2026-09-16. 54. [California Department of Insurance company profile: Travelers Indemnity Company (The)](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile). California Department of Insurance; NAIC 25658; California Company ID 4772-0; authorized 06/17/2002; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548; authorized lines including liability, fire, workers’ compensation and surety. Accessed 2026-09-16. 55. [California Department of Insurance company profile: Travelers Casualty and Surety Company of America](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=6182&event=companyProfile). California Department of Insurance; NAIC 31194; California Company ID 2444-8; authorized 07/31/1981; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/markel-vs-travelers.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)