---
title: "Travelers vs USI"
description: "Why Travelers is a risk-bearing insurer reached through producers, while USI is a producer that may or may not place Travelers."
canonical: "https://spot.insure/compare/travelers-vs-usi"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Travelers", "USI Insurance Services"]
---

[Human-readable page](https://spot.insure/compare/travelers-vs-usi)

# Travelers vs USI

Why Travelers is a risk-bearing insurer reached through producers, while USI is a producer that may or may not place Travelers.

## Research Scope and Use

Use this comparison to evaluate Travelers and USI Insurance Services 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

Travelers is a property-casualty insurance group that primarily sells US business insurance through independent agents and brokers and markets technology products including CyberRisk Tech. USI is one such producer: a brokerage that arranges coverage with unpublished insurers and is paid, unless negotiated otherwise, by insurer commissions. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [22](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [39](https://www.usi.com/commissions-fees/ "Commissions and Fees") [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [33](https://www.usi.com/about-usi "The Power of ONE")



## Introduction

You cannot appoint Travelers as your broker; you appoint a producer who may submit to Travelers. USI is a brokerage you can ask to submit there. A Travelers technology quote and a USI-brokered program are the same placement only if the USI proposal actually uses Travelers paper. The public Travelers site sends you to an agent locator; the public USI site sends you to an office or `pcinquiries@usi.com`. [22](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") [36](https://www.usi.com/contact-us/ "Contact Us")

## Documented Provider Strengths

### Travelers

- Travelers markets technology insurance to startups and established tech companies, with CyberRisk Tech that can combine cyber and technology E&O. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [4](https://www.travelers.com/business-insurance/technology/information-technology "IT Insurance") [2](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. [6](https://www.travelers.com/contact-us "Contact Us") [23](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [29](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") [22](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.)

### USI Insurance Services

- USI’s Technology practice says it works with software, hardware and related companies from early seed stage through IPO. [33](https://www.usi.com/about-usi "The Power of ONE") [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [52](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Company marketing of client types. Not an underwriting appetite or guaranteed acceptance statement.; verified: 2026-09-16.)
- USI says it is customarily paid insurer commissions and may receive additional contingent compensation, with details available on request. [39](https://www.usi.com/commissions-fees/ "Commissions and Fees") (Evidence: Company-reported; scope: USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Travelers | USI Insurance Services |
| --- | --- | --- |
| Business owner’s policy | Listed [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") | Not listed |
| Cargo and transit | Listed [13](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") | Listed [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") |
| Commercial auto | Listed [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") | Listed [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [42](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Commercial property | Listed [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") | Listed [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| Crime | Listed [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") | Listed [42](https://www.usi.com/property-casualty/business-services/ "Business Services") [48](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") |
| Cyber liability | Listed [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | Listed [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [46](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| Directors and officers | Listed [9](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") | Listed [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [42](https://www.usi.com/property-casualty/business-services/ "Business Services") [48](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") |
| Employee health and benefits | Not listed | Listed [45](https://www.usi.com/employee-benefits "Employee Benefits") [43](https://www.usi.com/property-casualty/private-equity "Private Equity") |
| Employment practices liability | Listed [11](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") | Listed [42](https://www.usi.com/property-casualty/business-services/ "Business Services") [48](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") |
| Equipment breakdown | Listed [15](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") | Not listed |
| Fidelity bonds | Listed [14](https://www.travelers.com/surety-bond "Surety Bonds") [8](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") | Not listed |
| Fiduciary liability | Listed [10](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") | Listed [42](https://www.usi.com/property-casualty/business-services/ "Business Services") [48](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") |
| General liability | Listed [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") | Listed [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [42](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Kidnap and ransom | Listed [8](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [19](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") | Listed [42](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Management liability | Listed [8](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") | Listed [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [48](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") |
| Media liability | Listed [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | Not listed |
| Medical malpractice | Not listed | Listed [44](https://www.usi.com/property-casualty/healthcare/ "Healthcare") |
| Product liability | Not listed | Listed [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| Professional liability / E&O | Listed [27](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") | Listed [42](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Representations and warranties | Not listed | Listed [43](https://www.usi.com/property-casualty/private-equity "Private Equity") |
| Surety bonds | Listed [14](https://www.travelers.com/surety-bond "Surety Bonds") | Listed [44](https://www.usi.com/property-casualty/healthcare/ "Healthcare") |
| Technology errors and omissions | Listed [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | Listed [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [47](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2023/protect-your-organization-from-increasing-third-party-cyber-exposures/ "Protect Your Organization From Increasing Third-Party Cyber Exposures") |
| Tools, equipment and inland marine | Listed [13](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") | Not listed |
| Umbrella and excess liability | Listed [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [26](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") | Listed [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [42](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| Workers’ compensation | Listed [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [25](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") | Listed [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [42](https://www.usi.com/property-casualty/business-services/ "Business Services") |

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 Travelers and USI

### Insurer Group Versus Broker

Policies are issued by Travelers subsidiaries such as The Travelers Indemnity Company, not by USI. USI is not a Travelers employee. [21](https://www.travelers.com/about-travelers "Who We Are") [39](https://www.usi.com/commissions-fees/ "Commissions and Fees")

### California Paper

Travelers Indemnity and Travelers Casualty and Surety Company of America appear on California’s insurer lists cited for Travelers. That is admitted-company status, not a guarantee your class is written. USI’s California license number is company-printed and not independently verified on the materials used here. [30](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile "California Department of Insurance company profile: Travelers Indemnity Company (The)") [53](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)")

### Technology Products

Travelers names CyberRisk Tech and other technology offerings on its own paper. USI names a placement list including PrivaSafe. Ask USI whether Travelers is even on the submission list for your E&O and cyber. [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [46](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")

### How a Founder Gets a Quote

Travelers’ Select Accounts automated underwriting, described in its annual report on Form 10-K, is still reached through a producer. Simply Business is a Travelers-owned digital channel documented as separate from the independent-agent model. USI is not that Simply Business channel. [29](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") [36](https://www.usi.com/contact-us/ "Contact Us")

### Who Pays the Producer

Travelers discloses base and contingent producer pay. USI discloses receiving those kinds of amounts from insurers generally. If USI places Travelers, both disclosures can describe the same commission; ask for the rate on your policy. [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [39](https://www.usi.com/commissions-fees/ "Commissions and Fees")

## What to Confirm in Quotes

- Whether USI will submit to Travelers and which subsidiary would issue. [21](https://www.travelers.com/about-travelers "Who We Are") [46](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")
- Alternative markets USI would use if Travelers declines the class. [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance")
- MyTravelers versus USI office claims reporting if Travelers is bound. [16](https://www.travelers.com/business-insurance/claims "Business Insurance Claims") [50](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit")
- Certificate issuance through Travelers’ portal versus USI staff. [18](https://www.travelers.com/small-business-insurance/mytravelers "MyTravelers for Business Online Self-Service Capabilities")



## Service Comparison

Travelers vs USI: documented services and availability.

| Criteria | Travelers | USI Insurance Services |
| --- | --- | --- |
| Business role | 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. [28](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [29](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") [21](https://www.travelers.com/about-travelers "Who We Are") [7](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.)<br><br>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. [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [6](https://www.travelers.com/contact-us "Contact Us") [29](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.) | USI describes itself as a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, program, and retirement solutions. The reviewed official pages do not identify USI as the insurer that issues commercial policies. [33](https://www.usi.com/about-usi "The Power of ONE") [32](https://www.usi.com/ "Insurance Brokerage and Consulting") [39](https://www.usi.com/commissions-fees/ "Commissions and Fees") [52](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Brand and operating description on current USI about and homepage materials, plus the 31 August 2026 Aon announcement’s About USI text. Role of any affiliate insurer is outside this fact.; verified: 2026-09-16.)<br><br>USI’s commissions page states that, as a licensed insurance producer, it may advise on insurance contracts, sell insurance, and obtain coverages for clients. Privacy and staff materials identify the operating company as USI Insurance Services LLC. Current California producer-license status remains independently unverified. [39](https://www.usi.com/commissions-fees/ "Commissions and Fees") [38](https://www.usi.com/privacy/ "Privacy") [53](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)") (Evidence: Company-reported; scope: Producer role as described by USI. Does not verify license class, surplus-lines authority, or appointment status.; verified: 2026-09-16.)<br><br>On 31 August 2026, Aon plc announced a definitive agreement to acquire USI from KKR and other shareholders for a $17.0 billion purchase price, with closing expected in the fourth quarter of 2026 subject to customary conditions including regulatory approvals. Aon stated that Aon and USI will continue to operate independently until the closing date. The reviewed announcement does not establish that the transaction has closed. [52](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Announced transaction status as of the 31 August 2026 release. Does not change a buyer’s existing policy terms by itself.; verified: 2026-09-16.) |
| Application process | 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. [6](https://www.travelers.com/contact-us "Contact Us") [23](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [29](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") [22](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.) | USI does not publish a self-serve commercial quote flow on the reviewed pages. Technology and P&C inquiries are directed to pcinquiries@usi.com or a local office. The contact page includes a website message box that USI warns is not secured in transit and should not be used for sensitive information. Small- and medium-sized management-liability inquiries are also directed to Select.Business@usi.com. No public binding timetable or online eligibility tool was found. [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [36](https://www.usi.com/contact-us/ "Contact Us") [48](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Public inquiry paths as of access date. Not an application completeness or speed claim.; verified: 2026-09-16.) |
| Access to insurers | 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. [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [25](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [9](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") [26](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [19](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.) | USI’s reviewed product and PrivaSafe pages do not name the insurers that issue its commercial, technology, or cyber placements. Privacy materials say USI may disclose personal information to third-party insurance carriers as needed to provide insurance services. A 2021 claims kit lists many insurer claim-reporting contacts for clients who already have those carriers; that directory is not a current placement panel or underwriting list. [46](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [38](https://www.usi.com/privacy/ "Privacy") [50](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit") (Evidence: Not publicly disclosed; scope: Contracting insurers for USI-brokered commercial programs remain undisclosed on the reviewed marketing pages.; 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. [1](https://www.travelers.com/business-insurance/technology "Technology Insurance") [3](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [2](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [8](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [27](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") [13](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") [15](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") [14](https://www.travelers.com/surety-bond "Surety Bonds") [26](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.) | USI’s Technology practice lists insurance placement for property; business income and contingent business income; worldwide cargo and stock; errors and omissions; product liability; directors and officers liability; network security / USI PrivaSafe; and international. Those labels describe brokerage services. Limits, exclusions, insurer, and whether a given startup qualifies remain in a quote and policy. [41](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [46](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: Technology practice product list on usi.com as of access date. International is listed as a service theme, not a shared coverage-line key.; verified: 2026-09-16.)<br><br>USI’s commercial property and casualty pages describe advice and placement on workers’ compensation, property, general liability, auto liability, umbrella/excess, executive and professional risks, cyber, environmental, product liability, and related claims and risk-control services. Other industry pages add employment practices, crime, fiduciary, professional E&O, kidnap and ransom, representations and warranties, medical professional (malpractice) liability, and required bonding in the healthcare practice. Availability and wording vary by client, insurer, and jurisdiction. [40](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [42](https://www.usi.com/property-casualty/business-services/ "Business Services") [43](https://www.usi.com/property-casualty/private-equity "Private Equity") [44](https://www.usi.com/property-casualty/healthcare/ "Healthcare") [48](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Catalogue of marketed brokerage lines from current official practice pages. Environmental and international labels are not mapped to separate shared coverage keys.; verified: 2026-09-16.)<br><br>USI’s employee-benefits practice describes consulting to design, price, and administer employer benefit programs, including underwriting analytics, HR administration support, population health, compliance/healthcare reform guidance, pharmacy and ancillary consulting. The private-equity practice separately lists employee health and welfare insurance services after a transaction. These pages describe consulting and placement services, not a specific insured health plan or carrier. [45](https://www.usi.com/employee-benefits "Employee Benefits") [43](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: Employer-sponsored benefits brokerage/consulting. Not individual health insurance.; verified: 2026-09-16.) |
| Fees and compensation | Travelers discloses that it generally pays independent producers a base commission as a percentage of premium, and may also pay contingent compensation, value-based amounts, production incentives, promotional reimbursements, strategic-relationship amounts or service fees. It might not pay all, or any, of those types on a given placement. Percentages vary by business, risk and state. Account-specific amounts are directed to the buyer’s agent or broker. [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") (Evidence: Company-reported; scope: U.S. producer-compensation disclosure accessed 16 September 2026. This describes what Travelers may pay producers, not a buyer-facing fee schedule.; verified: 2026-09-16.)<br><br>The reviewed public pages do not publish a standard premium, deductible schedule or buyer-paid broker fee for technology insurance. Travelers states that cost depends on coverage types, limits and the business’s risks, location and size, and tells buyers to work with an insurance professional. [5](https://www.travelers.com/business-insurance "Business and Commercial Insurance Policy Quotes") [25](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [7](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") (Evidence: Not publicly disclosed; scope: Business-insurance and workers-compensation marketing pages accessed 16 September 2026. Absence of a public price list is not evidence that coverage is free or that no fees apply.; verified: 2026-09-16.) | Unless otherwise negotiated, USI says compensation for placing coverage is customarily a commission calculated as a percentage of premium and paid by the insurer. It may also receive additional monetary and non-monetary compensation from insurers or intermediaries (including affiliates), which can be contingent on volume, profitability, or other factors, and some agreements include growth or distribution incentives. Clients may request the nature and source of expected compensation, including on alternative quotes. Standard commission percentages and fee schedules for startup accounts are not published. [39](https://www.usi.com/commissions-fees/ "Commissions and Fees") (Evidence: Company-reported; scope: USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.; verified: 2026-09-16.) |

## Related Reading

- [What Is Travelers Insurance?](https://spot.insure/insurance-providers/travelers)
- [What Is USI Insurance Services?](https://spot.insure/insurance-providers/usi)

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## Sources

### [Travelers Official Website](https://www.travelers.com/business-insurance/technology)

1. [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.
2. [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.
3. [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.
4. [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.
5. [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.
6. [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.
7. [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.
8. [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.
9. [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.
10. [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.
11. [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.
12. [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.
13. [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.
14. [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.
15. [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.
16. [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.
17. [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.
18. [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.
19. [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.
20. [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.
21. [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.
22. [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.
23. [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.
24. [Travelers Insurance agencies in CA](https://agent.travelers.com/ca). Travelers; Directory heading stating 1761 insurance agencies in California. Accessed 2026-09-16.
25. [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.
26. [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.
27. [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.
28. [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.
29. [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.
30. [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.
31. [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.

### [USI Insurance Services Official Website](https://www.usi.com)

32. [Insurance Brokerage and Consulting](https://www.usi.com/). USI Insurance Services; Practice tiles for property and casualty, employee benefit consulting, personal risk, PATH, and Valhalla headquarters footer. Accessed 2026-09-16.
33. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
34. [The USI ONE Advantage](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/). USI Insurance Services; Omni, Network, and Enterprise planning process description. Accessed 2026-09-16.
35. [Find a USI office near you](https://www.usi.com/about-usi/locations). USI Insurance Services; More than 10,000 professionals, over 200 U.S. offices, serving every state. Accessed 2026-09-16.
36. [Contact Us](https://www.usi.com/contact-us/). USI Insurance Services; Unsecured website message note, Valhalla corporate office, claims-assistance instruction to contact a USI office. Accessed 2026-09-16.
37. [Disclaimer](https://www.usi.com/disclaimer/). USI Insurance Services; General-information disclaimer and no-warranty language. Accessed 2026-09-16.
38. [Privacy](https://www.usi.com/privacy/). USI Insurance Services; Privacy notice identifying USI Insurance Services, California appendix, and disclosure of personal information to insurance carriers as needed to provide services. Accessed 2026-09-16.
39. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
40. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; Listed P&C risk exposures, claim advocates, and pcinquiries@usi.com contact. Accessed 2026-09-16.
41. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
42. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; Listed coverage solutions including D&O, EPL, crime, fiduciary, E&O, cyber, kidnap and ransom, and claim advocacy. Accessed 2026-09-16.
43. [Private Equity](https://www.usi.com/property-casualty/private-equity). USI Insurance Services; Representations and warranties insurance, employee benefits due diligence, and post-close P&C and benefits servicing. Accessed 2026-09-16.
44. [Healthcare](https://www.usi.com/property-casualty/healthcare/). USI Insurance Services; Medical professional (malpractice) liability, required bonding, and other listed healthcare specialty coverages. Accessed 2026-09-16.
45. [Employee Benefits](https://www.usi.com/employee-benefits). USI Insurance Services; Employer benefit consulting services and EBsolutions@usi.com contact. Accessed 2026-09-16.
46. [USI Exclusive PrivaSafe](https://ucontent.usi.com/solution-insights/privasafe/). USI Insurance Services; Manuscripted cyber and privacy program description; no contracting insurer named. Accessed 2026-09-16.
47. [Protect Your Organization From Increasing Third-Party Cyber Exposures](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2023/protect-your-organization-from-increasing-third-party-cyber-exposures/). USI Insurance Services; PrivaSafe risk-transfer description and review of existing cyber and technology E&O policies before marketing. Accessed 2026-09-16.
48. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; ExecuSafe program for D&O and management liability, including EPL, fiduciary, and crime; Select.Business@usi.com. Accessed 2026-09-16.
49. [Reduce Claims and Costs by Optimizing Your Risk Control](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/). USI Insurance Services; USI PATH proprietary risk-control platform description. Accessed 2026-09-16.
50. [Client Emergency Preparedness Claims Kit](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf). USI Insurance Services; Updated May 2021 claims-reporting table directing some lines to the insurer and executive, professional, and cyber lines to the USI account team or claims consultant. Accessed 2026-09-16.
51. [Natural Disaster Planning](https://www.usi.com/natural-disaster-planning). USI Insurance Services; Commercial P&C claims contact via client service team or local office; Select/Small Commercial contacts. Accessed 2026-09-16.
52. [Aon to acquire USI to establish the premier U.S. middle-market platform](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html). Aon plc via PR Newswire; 31 August 2026 announcement; independent operation until expected Q4 2026 close; About USI description. Accessed 2026-09-16.
53. [USI Insurance Services LLC associate biography (San Francisco)](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf). USI Insurance Services; Letterhead naming USI Insurance Services LLC, 575 Market St Suite 3750 San Francisco, CA, and CA DOI License # 0G11911. 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.

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