--- title: "Pie Insurance vs Travelers Insurance" description: "When Pie Insurance’s workers-compensation-focused carrier and partner catalogue complements rather than replaces Travelers statutory and technology lines." canonical: "https://spot.insure/compare/pie-insurance-vs-travelers" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Pie Insurance", "Travelers"] --- [Human-readable page](https://spot.insure/compare/pie-insurance-vs-travelers) # Pie Insurance vs Travelers Insurance When Pie Insurance’s workers-compensation-focused carrier and partner catalogue complements rather than replaces Travelers statutory and technology lines. ## Research Scope and Use Use this comparison to evaluate Pie Insurance and Travelers against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Pie Insurance is a small-business workers’ compensation insurer and producer that also places BOP, general liability, cyber and professional liability through carrier partners. Travelers is a property-casualty insurer group with a technology practice sold through independent agents. [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [2](https://www.pieinsurance.com/about "About Pie Insurance") [50](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [26](https://www.travelers.com/business-insurance/technology "Technology Insurance") ## Introduction An employer shopping workers compensation (coverage for employee workplace injuries, required in most states) can start a Pie Insurance ZIP-code quote and, separately, ask an independent agent about Travelers workers compensation and other technology lines. Pie Insurance Services, Inc. sells and administers policies; Pie-group insurers including The Pie Insurance Company underwrite workers compensation in many states, while business owner’s policy (BOP), cyber and professional liability pages describe third-party carrier partners. Travelers underwrites its own affiliates for workers compensation and technology products through independent producers. Those are different contracting stacks even if both policies are in force. [5](https://www.pieinsurance.com/legal "Legal") [50](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [26](https://www.travelers.com/business-insurance/technology "Technology Insurance") ## Documented Provider Strengths ### Pie Insurance - Small businesses can start a workers’ compensation quote directly online or through an insurance agent. [2](https://www.pieinsurance.com/about "About Pie Insurance") [1](https://www.pieinsurance.com/ "Pie Insurance") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") (Evidence: Company-reported; scope: Workers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not document the same process.; verified: 2026-09-15.) - Workers’ compensation payment options include pay-as-you-go using reported payroll, with no initial deposit. [17](https://www.pieinsurance.com/payment-options "Payment Options") [18](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") (Evidence: Company-reported; scope: Pie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.; verified: 2026-09-15.) ### Travelers - Travelers markets technology insurance to startups and established tech companies, with CyberRisk Tech that can combine cyber and technology E&O. [26](https://www.travelers.com/business-insurance/technology "Technology Insurance") [29](https://www.travelers.com/business-insurance/technology/information-technology "IT Insurance") [27](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.) - U.S. business insurance is sold through independent agents; many small risks can be quoted and issued in an agent platform, while specialty technology accounts still need underwriting. [31](https://www.travelers.com/contact-us "Contact Us") [48](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [26](https://www.travelers.com/business-insurance/technology "Technology Insurance") [28](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [54](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") [47](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.) ## Coverage Comparison | Coverage Type | Pie Insurance | Travelers | | --- | --- | --- | | Business owner’s policy | Listed [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") | Listed [27](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") | | Cargo and transit | Not listed | Listed [38](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") | | Commercial auto | Not listed | Listed [26](https://www.travelers.com/business-insurance/technology "Technology Insurance") | | Commercial property | Not listed | Listed [26](https://www.travelers.com/business-insurance/technology "Technology Insurance") | | Crime | Not listed | Listed [37](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") | | Cyber liability | Listed [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") | Listed [28](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | | Directors and officers | Not listed | Listed [34](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") | | Employment practices liability | Not listed | Listed [36](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") | | Equipment breakdown | Not listed | Listed [40](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") | | Fidelity bonds | Not listed | Listed [39](https://www.travelers.com/surety-bond "Surety Bonds") [33](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") | | Fiduciary liability | Not listed | Listed [35](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") | | General liability | Listed [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") | Listed [26](https://www.travelers.com/business-insurance/technology "Technology Insurance") | | Kidnap and ransom | Not listed | Listed [33](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [44](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") | | Management liability | Not listed | Listed [33](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") | | Media liability | Not listed | Listed [28](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | | Professional liability / E&O | Listed [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") | Listed [52](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") | | Surety bonds | Not listed | Listed [39](https://www.travelers.com/surety-bond "Surety Bonds") | | Technology errors and omissions | Not listed | Listed [26](https://www.travelers.com/business-insurance/technology "Technology Insurance") [28](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | | Tools, equipment and inland marine | Not listed | Listed [38](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") | | Umbrella and excess liability | Not listed | Listed [26](https://www.travelers.com/business-insurance/technology "Technology Insurance") [51](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") | | Workers’ compensation | Listed [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") | Listed [26](https://www.travelers.com/business-insurance/technology "Technology Insurance") [50](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## 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://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Pie Insurance and Travelers Insurance ### WC-Centric Insurer-Producer Versus Full-Line Insurer Pie Insurance is a small-business commercial insurance group whose producer, Pie Insurance Services, sells and administers policies. Its affiliated carriers write workers’ compensation, while selected other products are offered through outside carrier partners. [2](https://www.pieinsurance.com/about "About Pie Insurance") [5](https://www.pieinsurance.com/legal "Legal") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: Current public Pie brand and US small-business insurance services; this describes group roles, not a promise that every product is available to every applicant.; verified: 2026-09-15.) Travelers is a property-casualty insurance group. The Travelers Companies, Inc. is the public holding company; policies are issued by subsidiaries such as The Travelers Indemnity Company and affiliates, not by the holding company itself. [53](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [54](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 "Who We Are") [32](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.) Pie names The Pie Insurance Company and Pie Casualty Insurance Company as workers compensation underwriters and uses partners for other lines. Travelers lists workers compensation on technology pages alongside CyberRisk Tech, property and umbrella. A Pie workers compensation policy and a Travelers general liability policy are not interchangeable brands. [5](https://www.pieinsurance.com/legal "Legal") [26](https://www.travelers.com/business-insurance/technology "Technology Insurance") ### Partner Catalogue Versus Travelers Technology Package Pie’s current catalogue includes workers compensation, BOP, general liability, cyber and professional liability, with footer language that non-workers-compensation lines may use third-party insurers. Travelers markets a technology-services BOP bundling property, general liability, business income and cyber liability with errors and omissions (E&O) options. Pie’s state selector headline says 40 states and the District of Columbia, but rendered lists have omitted entries—confirm your state on the quote. [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [11](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [27](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") Reviewed Pie product pages do not list directors and officers (D&O) insurance, inland marine or Travelers Global Companion products. That means those products are not named on the pages we reviewed, not that an unnamed partner could never appear on a later proposal. [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [26](https://www.travelers.com/business-insurance/technology "Technology Insurance") [44](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") ### Quote Path, Geography and Claims Intake Pie’s public quote starts with a ZIP code; workers compensation is the direct-bind focus on that path. Travelers workers compensation buyers are directed to a local agent. [6](https://quote.pieinsurance.com/ "Pie Insurance — Quote") [31](https://www.travelers.com/contact-us "Contact Us") Pie publishes workers compensation claims reporting and separate commercial-auto claim FAQs for legacy partner business. Travelers describes 24/7 business reporting and dedicated technology claims staffing—intake descriptions only. Use the number on your declarations. [20](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") [41](https://www.travelers.com/business-insurance/claims "Business Insurance Claims") ## What to Confirm in Quotes - **Whether workers compensation is on Pie Insurance Company paper** versus a partner for other lines. [5](https://www.pieinsurance.com/legal "Legal") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") - **State availability** for Pie workers compensation in your payroll state. [12](https://www.pieinsurance.com/agency/document-library "Agency Document Library") [50](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") - **Third-party issuer** on Pie BOP, cyber or professional liability, compared with the Travelers affiliate and form on a technology proposal. [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [28](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") - **Experience modification and audit terms** on Pie workers compensation versus a Travelers workers compensation policy. [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") - **Producer compensation disclosure** on Pie placements. [21](https://www.pieinsurance.com/agency/faq "Partner FAQ") [32](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") ## Service Comparison Pie Insurance vs Travelers Insurance: documented services and availability. | Criteria | Pie Insurance | Travelers | | --- | --- | --- | | Business role | Pie Insurance is a small-business commercial insurance group whose producer, Pie Insurance Services, sells and administers policies. Its affiliated carriers write workers’ compensation, while selected other products are offered through outside carrier partners. [2](https://www.pieinsurance.com/about "About Pie Insurance") [5](https://www.pieinsurance.com/legal "Legal") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: Current public Pie brand and US small-business insurance services; this describes group roles, not a promise that every product is available to every applicant.; verified: 2026-09-15.)

Pie Group Holdings, Inc. owns the public website and is the regulator-listed parent of Pie Casualty Insurance Company. AM Best identifies the rated carrier group as Pie Insurance Group. [4](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") [24](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS "Pie Casualty Insurance Company — Entity Details") [22](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Verified; scope: Website ownership and the parent shown for Pie Casualty Insurance Company; no claim about voting control or every intermediate subsidiary.; verified: 2026-09-15.)

Pie identifies Pie Insurance Services, Inc. as the licensed producer that sells and administers policies; its legal page publishes state licenses but is not a substitute for a current regulator lookup in the buyer’s state. [5](https://www.pieinsurance.com/legal "Legal") [25](https://oci.wi.gov/Pages/PressReleases/AdminActions202401.aspx "Administrative Actions — January 2024") (Evidence: Company-reported; scope: Producer identity and Pie-published US license list; Wisconsin’s regulator separately identifies this entity in a 2024 administrative action.; verified: 2026-09-15.) | Travelers is a property-casualty insurance group. The Travelers Companies, Inc. is the public holding company; policies are issued by subsidiaries such as The Travelers Indemnity Company and affiliates, not by the holding company itself. [53](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [54](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 "Who We Are") [32](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. [32](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [31](https://www.travelers.com/contact-us "Contact Us") [54](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.) | | Coverage lines | Current direct offering pages support workers’ compensation, business owner’s policy, cyber, general liability and professional liability/E&O. The non-workers’ compensation pages describe typical protection; the issued policy and endorsements determine actual coverage. [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [4](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") (Evidence: Company-reported; scope: Public US Pie pages with an explicit quote or contact invitation; educational-only topics and components of a BOP were not counted as standalone offerings.; verified: 2026-09-15.)

Pie says it stopped accepting commercial-auto submissions on December 1, 2025 and will issue no new or renewal commercial-auto policies on or after January 1, 2026. Existing policyholders retain coverage through their policy term and can still use Pie’s claim channels. [14](https://www.pieinsurance.com/claims/comm-auto-faq "Commercial Auto Claim FAQs") [20](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") (Evidence: Company-reported; scope: Pie’s former commercial-auto offering and legacy policies; commercial auto is intentionally excluded from the current coverage catalogue.; verified: 2026-09-15.)

Pie’s terms say website coverage descriptions are not part of an insurance contract and do not change a policy or endorsement; eligibility and product availability can vary by geography and applicant. [4](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") (Evidence: Company-reported; scope: Website descriptions and US products generally; the buyer’s issued policy and endorsements control.; verified: 2026-09-15.) | 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. [26](https://www.travelers.com/business-insurance/technology "Technology Insurance") [28](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [27](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [33](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [52](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") [38](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") [40](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") [39](https://www.travelers.com/surety-bond "Surety Bonds") [51](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.) | | Availability | Pie’s dedicated state page and AM Best describe workers’ compensation in 40 states and Washington, D.C., but Pie’s homepage and January 2026 release say 39 states plus D.C. Confirm the business locations and class codes in the current quote or agent portal. [11](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [12](https://www.pieinsurance.com/agency/document-library "Agency Document Library") [1](https://www.pieinsurance.com/ "Pie Insurance") [13](https://www.pieinsurance.com/resource-center/press/2025-year-in-review "Pie Insurance Reports Strong 2025") [22](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Conflicting sources; scope: Public workers’ compensation footprint as of 15 September 2026; the state-page selector, document library and other marketing surfaces were not internally consistent.; verified: 2026-09-15.)

The reviewed BOP, cyber, general-liability and professional-liability pages do not publish a product-by-state availability table. Pie’s terms also say products are not available in every US area or situation. [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [4](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") (Evidence: Not publicly disclosed; scope: Public availability for Pie’s partner-carrier products; no quote or contact form was submitted.; verified: 2026-09-15.) | Travelers describes Business Insurance as offered primarily in the United States, with additional operations in the United Kingdom, Ireland and other markets including Lloyd’s. Domestic business insurance is marketed through independent agents and brokers rather than as a single nationwide self-serve shop for every product. [54](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") [53](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [46](https://www.travelers.com/about-travelers "Who We Are") (Evidence: Company-reported; scope: Group geographic description from the 2025 Form 10-K and investor profile. Primary-U.S. operations do not mean every product is available in every state.; verified: 2026-09-16.)

California’s insurance department lists The Travelers Indemnity Company (NAIC 25658) and Travelers Casualty and Surety Company of America (NAIC 31194) as property-and-casualty insurers with Unlimited-Normal licenses. Travelers’ agent directory also lists agencies in California. Those facts do not establish that a specific technology product, CyberRisk Tech form, BOP class or Global Companion Plus+ coverage is available or admitted for a particular California risk. [55](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile "California Department of Insurance company profile: Travelers Indemnity Company (The)") [56](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=6182&event=companyProfile "California Department of Insurance company profile: Travelers Casualty and Surety Company of America") [49](https://agent.travelers.com/ca "Travelers Insurance agencies in CA") [44](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") (Evidence: Verified; scope: Admitted-insurer authorization and a public agency directory as of 16 September 2026. No product-by-product California eligibility schedule was found on the reviewed technology pages. U.S. Global Companion Plus+ is described by Travelers as non-admitted and not equivalent to a local admitted policy.; verified: 2026-09-16.) | | Access to insurers | Pie says workers’ compensation is underwritten by The Pie Insurance Company (NAIC 21857) and affiliates. AM Best says Pie began writing all of that business through The Pie Insurance Company and Pie Casualty Insurance Company (NAIC 10997) on January 1, 2024. [5](https://www.pieinsurance.com/legal "Legal") [22](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [23](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111 "The Pie Insurance Company — Company Details") [24](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS "Pie Casualty Insurance Company — Entity Details") (Evidence: Verified; scope: Pie’s workers’ compensation program; the actual declarations page controls the issuing insurer for a specific policy and state.; verified: 2026-09-15.)

AM Best affirmed Pie Casualty Insurance Company’s pooled A- (Excellent) financial strength rating with a Stable outlook, effective April 24, 2026. A rating is an opinion of insurer financial strength, not a guarantee that a claim is covered or paid. [22](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Verified; scope: Pie Casualty Insurance Company and the consolidated Pie Insurance Group rating unit as identified in the disclosure report.; verified: 2026-09-15.)

Pie says business owner’s, general liability and professional liability policies are underwritten by unaffiliated third-party insurers, and its cyber page refers to carrier partners. The reviewed public pages do not name the currently participating insurers for these products. [5](https://www.pieinsurance.com/legal "Legal") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Not publicly disclosed; scope: Current public BOP, cyber, general-liability and professional-liability/E&O pages; account-specific carrier access was not tested.; verified: 2026-09-15.) | Travelers is the brand. Product footers name The Travelers Indemnity Company and its property-casualty affiliates, and Bond & Specialty pages name Travelers Casualty and Surety Company of America and affiliates. Umbrella materials also describe Northfield excess-and-surplus coverage for some hard-to-place risks. The issuing company, admitted or surplus status, and any fronting or network partner remain quote-specific. [32](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [50](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [34](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") [51](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [44](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Entities named on current marketing and compensation pages. This research does not assign one issuer to the entire technology catalogue or to California placements.; verified: 2026-09-16.) | | Claims assistance | Pie asks policyholders to report a workplace injury within 24 hours through its online form, 24/7 phone line or email. After intake, it says a claims professional follows up, determines whether the policy covers the claim and explains applicable benefits if accepted. [20](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") (Evidence: Company-reported; scope: Published first-report process for Pie-serviced workers’ compensation claims; state notice rules and the issuing carrier’s policy still apply.; verified: 2026-09-15.)

Pie’s agency FAQ says Pie manages workers’ compensation claims in 34 states and CorVel handles Alaska, Mississippi, Nevada, New Mexico and Oregon. That 39-state split is not reconciled with the separately advertised 40-state-plus-D.C. footprint. [21](https://www.pieinsurance.com/agency/faq "Partner FAQ") [11](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [22](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Conflicting sources; scope: Public allocation of workers’ compensation claim handling; the current handler for an individual policy should be taken from its state kit and claim instructions.; verified: 2026-09-15.) | Travelers says business-insurance losses can be reported 24 hours a day, 365 days a year by contacting the agent, using the online claim system or MyTravelers for Business, or calling 800-238-6225. It describes a dedicated Technology claim unit staffed since 1998 with claim attorneys and insurance professionals. Those statements describe access paths and an internal unit; they do not establish claim outcomes or coverage decisions. [41](https://www.travelers.com/business-insurance/claims "Business Insurance Claims") [42](https://www.travelers.com/claims/file-claim/business "File a Business Claim") [31](https://www.travelers.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Business claims and technology-claim sections accessed 16 September 2026. Reporting a claim is not the same as coverage being granted.; verified: 2026-09-16.) | ## Related Reading - [What Is Pie Insurance?](https://spot.insure/insurance-providers/pie-insurance) - [What Is Travelers Insurance?](https://spot.insure/insurance-providers/travelers) ## Related Comparisons - [Alliance Risk vs Pie Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance) - [Alliance Risk vs Travelers Insurance](https://spot.insure/compare/alliance-risk-vs-travelers) - [Amelia Risk vs Pie Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance) - [Amelia Risk vs Travelers](https://spot.insure/compare/amelia-risk-vs-travelers) - [Armilla vs Pie Insurance](https://spot.insure/compare/armilla-vs-pie-insurance) - [Armilla vs Travelers Insurance](https://spot.insure/compare/armilla-vs-travelers) - [At-Bay vs Pie Insurance](https://spot.insure/compare/at-bay-vs-pie-insurance) - [At-Bay vs Travelers Insurance](https://spot.insure/compare/at-bay-vs-travelers) - [Beazley vs Pie Insurance](https://spot.insure/compare/beazley-vs-pie-insurance) - [Beazley vs Travelers Insurance](https://spot.insure/compare/beazley-vs-travelers) - [CFC vs Pie Insurance](https://spot.insure/compare/cfc-vs-pie-insurance) - [CFC vs Travelers](https://spot.insure/compare/cfc-vs-travelers) - [Chubb vs Pie Insurance](https://spot.insure/compare/chubb-vs-pie-insurance) - [Chubb vs Travelers](https://spot.insure/compare/chubb-vs-travelers) - [Coalition vs Pie Insurance](https://spot.insure/compare/coalition-vs-pie-insurance) - [Coalition vs Travelers Insurance](https://spot.insure/compare/coalition-vs-travelers) - [Corgi vs Pie Insurance](https://spot.insure/compare/corgi-vs-pie-insurance) - [Corgi vs Travelers Insurance](https://spot.insure/compare/corgi-vs-travelers) - [Coterie Insurance vs Pie Insurance](https://spot.insure/compare/coterie-vs-pie-insurance) - [Coterie vs Travelers Insurance](https://spot.insure/compare/coterie-vs-travelers) - [Coverdash vs Pie Insurance](https://spot.insure/compare/coverdash-vs-pie-insurance) - [Coverdash vs Travelers Insurance](https://spot.insure/compare/coverdash-vs-travelers) - [Cowbell vs Pie Insurance](https://spot.insure/compare/cowbell-vs-pie-insurance) - [Cowbell vs Travelers Insurance](https://spot.insure/compare/cowbell-vs-travelers) - [Embroker vs Pie Insurance](https://spot.insure/compare/embroker-vs-pie-insurance) - [Embroker vs Travelers Insurance](https://spot.insure/compare/embroker-vs-travelers) - [Founder Shield vs Pie Insurance](https://spot.insure/compare/foundershield-vs-pie-insurance) - [Founder Shield vs Travelers Insurance](https://spot.insure/compare/foundershield-vs-travelers) - [Gallagher vs Pie Insurance](https://spot.insure/compare/gallagher-vs-pie-insurance) - [Gallagher vs Travelers](https://spot.insure/compare/gallagher-vs-travelers) - [Harper vs Pie Insurance](https://spot.insure/compare/harper-vs-pie-insurance) - [Harper vs Travelers Insurance](https://spot.insure/compare/harper-vs-travelers) - [Heffernan vs Pie Insurance](https://spot.insure/compare/heffernan-vs-pie-insurance) - [Heffernan vs Travelers](https://spot.insure/compare/heffernan-vs-travelers) - [Hiscox vs Pie Insurance](https://spot.insure/compare/hiscox-vs-pie-insurance) - [Hiscox vs Travelers Insurance](https://spot.insure/compare/hiscox-vs-travelers) - [HUB International vs Pie Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance) - [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers) - [Kinro vs Pie Insurance](https://spot.insure/compare/kinro-vs-pie-insurance) - [Kinro vs Travelers Insurance](https://spot.insure/compare/kinro-vs-travelers) - [Layr vs Pie Insurance](https://spot.insure/compare/layr-vs-pie-insurance) - [Layr vs Travelers Insurance](https://spot.insure/compare/layr-vs-travelers) - [Lockton vs Pie Insurance](https://spot.insure/compare/lockton-vs-pie-insurance) - [Lockton vs Travelers](https://spot.insure/compare/lockton-vs-travelers) - [Marsh vs Pie Insurance](https://spot.insure/compare/marsh-vs-pie-insurance) - [Marsh vs Travelers Insurance](https://spot.insure/compare/marsh-vs-travelers) - [Mylo vs Pie Insurance](https://spot.insure/compare/mylo-vs-pie-insurance) - [Mylo vs Travelers Insurance](https://spot.insure/compare/mylo-vs-travelers) - [Newfront vs Pie Insurance](https://spot.insure/compare/newfront-vs-pie-insurance) - [Newfront vs Travelers Insurance](https://spot.insure/compare/newfront-vs-travelers) - [ERGO NEXT Insurance vs Pie Insurance](https://spot.insure/compare/next-insurance-vs-pie-insurance) - [ERGO NEXT Insurance vs Travelers Insurance](https://spot.insure/compare/next-insurance-vs-travelers) - [Pie Insurance vs Relm Insurance](https://spot.insure/compare/pie-insurance-vs-relm) - [Pie Insurance vs Resilience](https://spot.insure/compare/pie-insurance-vs-resilience) - [Pie Insurance vs RiskCube](https://spot.insure/compare/pie-insurance-vs-riskcube) - [Pie Insurance vs Risklytics Insurance](https://spot.insure/compare/pie-insurance-vs-risklytics) - [Pie Insurance vs StartupInsurance.ai](https://spot.insure/compare/pie-insurance-vs-startupinsurance) - [Pie Insurance vs TechInsurance](https://spot.insure/compare/pie-insurance-vs-techinsurance) - [Pie Insurance vs The Hartford](https://spot.insure/compare/pie-insurance-vs-the-hartford) - [Pie Insurance vs USI](https://spot.insure/compare/pie-insurance-vs-usi) - [Pie Insurance vs Vouch](https://spot.insure/compare/pie-insurance-vs-vouch) - [Pie Insurance vs WithCoverage](https://spot.insure/compare/pie-insurance-vs-withcoverage) - [Relm Insurance vs Travelers Insurance](https://spot.insure/compare/relm-vs-travelers) - [Resilience vs Travelers](https://spot.insure/compare/resilience-vs-travelers) - [RiskCube vs Travelers](https://spot.insure/compare/riskcube-vs-travelers) - [Risklytics vs Travelers Insurance](https://spot.insure/compare/risklytics-vs-travelers) - [StartupInsurance.ai vs Travelers Insurance](https://spot.insure/compare/startupinsurance-vs-travelers) - [TechInsurance vs Travelers](https://spot.insure/compare/techinsurance-vs-travelers) - [The Hartford vs Travelers Insurance](https://spot.insure/compare/the-hartford-vs-travelers) - [Travelers vs USI](https://spot.insure/compare/travelers-vs-usi) - [Travelers Insurance vs Vouch](https://spot.insure/compare/travelers-vs-vouch) - [Travelers Insurance vs WithCoverage](https://spot.insure/compare/travelers-vs-withcoverage) ## Sources ### [Pie Insurance Official Website](https://www.pieinsurance.com/) 1. [Pie Insurance](https://www.pieinsurance.com/). Pie Insurance; Homepage: small-business audience; direct workers’ compensation quote; online account; footer entity, insurer and availability qualifications. Accessed 2026-09-15. 2. [About Pie Insurance](https://www.pieinsurance.com/about). Pie Insurance; About Pie; direct and agency distribution; footer legal disclosure. Accessed 2026-09-15. 3. [Workers’ Comp Insurance For Small Businesses](https://www.pieinsurance.com/workers-comp). Pie Insurance; Quote inputs; coverage description; company-reported quote-time and savings qualifications; AM Best link. Accessed 2026-09-15. 4. [Terms Of Use](https://www.pieinsurance.com/legal/terms-of-use). Pie Insurance; Updated 26 April 2022; Ownership and Agreement to Terms; geographic and product eligibility; policy controls coverage. Accessed 2026-09-15. 5. [Legal](https://www.pieinsurance.com/legal). Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15. 6. [Pie Insurance — Quote](https://quote.pieinsurance.com/). Pie Insurance; Live unauthenticated first step: Business ZIP Code; inspected without entering data or advancing. Accessed 2026-09-15. 7. [Business Owner’s Policy](https://www.pieinsurance.com/small-business-insurance/business-owners-policy). Pie Insurance; BOP definition; typical components; invitation to start a BOP quote; footer third-party insurer qualification. Accessed 2026-09-15. 8. [Cyber Insurance For Small Businesses](https://www.pieinsurance.com/small-business-insurance/cyber-insurance). Pie Insurance; First- and third-party descriptions; carrier-partner quote invitation; policy-variation qualification. Accessed 2026-09-15. 9. [Errors And Omissions Insurance](https://www.pieinsurance.com/errors-and-omissions-insurance). Pie Insurance; E&O and professional-liability equivalence; typical claims; carrier-partner placement statement; footer third-party insurer qualification. Accessed 2026-09-15. 10. [General Liability Insurance](https://www.pieinsurance.com/small-business-insurance/general-liability). Pie Insurance; Typical covered categories; carrier-partner quote invitation; footer third-party insurer qualification. Accessed 2026-09-15. 11. [Workers’ Comp Coverage By State](https://www.pieinsurance.com/agency/states-we-serve). Pie Insurance; Headline says 40 states and the District of Columbia; rendered state selector listed 39 state names and omitted New York and D.C.. Accessed 2026-09-15. 12. [Agency Document Library](https://www.pieinsurance.com/agency/document-library). Pie Insurance; Workers’ Comp State Documents: 40 named states plus Washington, D.C.. Accessed 2026-09-15. 13. [Pie Insurance Reports Strong 2025](https://www.pieinsurance.com/resource-center/press/2025-year-in-review). Pie Insurance; 13 January 2026 release; Key 2025 Milestones says 39 states plus Washington, D.C.; company and distribution description. Accessed 2026-09-15. 14. [Commercial Auto Claim FAQs](https://www.pieinsurance.com/claims/comm-auto-faq). Pie Insurance; Does Pie offer commercial auto insurance?; submission cutoff 1 December 2025; no new or renewal policies on or after 1 January 2026; legacy claim guidance. Accessed 2026-09-15. 15. [Online Account Tutorial](https://www.pieinsurance.com/resource-center/online-account-tutorial). Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15. 16. [Workers’ Comp FAQs](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions). Pie Insurance; Certificates; waiver request timing and state-dependent charge; billing and payments; renewal timing; annual audit; claims. Accessed 2026-09-15. 17. [Payment Options](https://www.pieinsurance.com/payment-options). Pie Insurance; Annual, semi-annual, quarterly, monthly and pay-as-you-go schedules; payment methods; 3% card fee and state exceptions. Accessed 2026-09-15. 18. [Pay-As-You-Go With Pie Insurance](https://www.pieinsurance.com/pay-as-you-go). Pie Insurance; No initial deposit; actual-payroll monthly premium; automatic deductions; payroll-provider coordination. Accessed 2026-09-15. 19. [Your Workers’ Comp Premium Audit](https://www.pieinsurance.com/workers-comp/premium-audit). Pie Insurance; Required annual audit; estimated versus actual payroll; audit partner; requested payroll, employee, cash-expense and subcontractor certificate records. Accessed 2026-09-15. 20. [File Your Claim Within 24 Hours](https://www.pieinsurance.com/claims). Pie Insurance; Workers’ compensation reporting by online form, 24/7 phone or email; information requested; post-report coverage determination. Accessed 2026-09-15. 21. [Partner FAQ](https://www.pieinsurance.com/agency/faq). Pie Insurance; Workers’ compensation claim handling in 34 states; CorVel handling in Alaska, Mississippi, Nevada, New Mexico and Oregon; producer commissions on earned premium. Accessed 2026-09-15. 22. [AM Best Rating Disclosure Report — Pie Casualty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0). AM Best Rating Services, Inc.; Page 1: A- (Excellent), Stable, affirmed 24 April 2026; page 14: rating unit, group insurer acquisitions, 100% workers’ compensation writing through PCIC and TPIC from 1 January 2024, 40 states and D.C.. Accessed 2026-09-15. 23. [The Pie Insurance Company — Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111). Missouri Department of Commerce and Insurance; Company name; active license status; NAIC 21857; property-and-casualty authority; 2025 workers’ compensation market data. Accessed 2026-09-15. 24. [Pie Casualty Insurance Company — Entity Details](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS). Illinois Department of Insurance; Legal name; P&C Domestic Stock; active status; NAIC 10997; Pie Group Holdings, Inc. parent. Accessed 2026-09-15. 25. [Administrative Actions — January 2024](https://oci.wi.gov/Pages/PressReleases/AdminActions202401.aspx). Wisconsin Office of the Commissioner of Insurance; Allegations and Actions Against Companies: Pie Insurance Services, Inc. agreed to add a disclaimer to its “save up to 30%” advertising claim after misleading-advertising allegations. Accessed 2026-09-15. ### [Travelers Official Website](https://www.travelers.com/business-insurance/technology) 26. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Hero and product list: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16. 27. [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. 28. [Cyber Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech insuring agreements including technology E&O, privacy and security, media and regulatory proceedings, breach response; Cyber Risk Services; agent consultation CTA. Accessed 2026-09-16. 29. [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. 30. [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. 31. [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. 32. [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. 33. [Management and Professional Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance). Travelers; 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. 34. [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. 35. [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. 36. [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. 37. [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. 38. [Inland Marine Insurance](https://www.travelers.com/business-insurance/inland-marine). Travelers; Inland marine property in transit; computers and electronics; transportation, cargo and logistics coverage. Accessed 2026-09-16. 39. [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. 40. [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. 41. [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. 42. [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. 43. [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. 44. [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. 45. [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. 46. [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. 47. [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. 48. [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. 49. [Travelers Insurance agencies in CA](https://agent.travelers.com/ca). Travelers; Directory heading stating 1761 insurance agencies in California. Accessed 2026-09-16. 50. [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. 51. [Commercial Umbrella and Excess Liability Insurance](https://www.travelers.com/business-insurance/commercial-umbrella). Travelers; A/B umbrella, excess liability, and Northfield excess and surplus lines; purchase via independent agent; typically requires underlying Travelers primary coverage. Accessed 2026-09-16. 52. [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. 53. [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. 54. [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. 55. [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. 56. [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 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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/pie-insurance-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)