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Types of liability insurance you need to consider:
Public Liability

Public liability insurance protects you and your business against the financial risk of being found liable to a third party for death or injury, loss or damage of property or ‘pure economic’ loss resulting from your negligence.
Professional Indemnity

Professional indemnity insurance protects you from legal action taken for losses incurred as a result of your advice. It provides indemnity cover if your client suffers a loss - either material, financial or physical - directly attributed to negligent acts.

Insurance cover for you and your employees:
Workers Compensation

You must provide accident and sickness insurance for your employees - workers compensation - through an approved insurer. Workers compensation is covered by separate state and territory legislation.
Personal accident and illness

If you are self employed you won’t be covered by workers compensation, so you need to cover yourself for accident and sickness insurance through a private insurer.

To protect your assets and revenue-generating capacity, here are some of the types of insurance available:
Building and contents

Covers the building, contents and stock of your business against fire and other perils such as earthquake, lightning, storms, impact, malicious damage and explosion.
Burglary

Insures your business assets against burglary, and is most important for retailers or a business which maintains an unattended premises.
Business interruption or loss of profits

Before choosing an insurance policy you will need to evaluate your business’s insurance needs. Your insurance requirements vary considerably depending on the type of business you operate.

Some insurers offer insurance package policies specially tailored to cover your business needs. There are also individual products that may be relevant to the particular nature of your business.

Your industry association may also provide important insurance advice, some associations organise insurance packages for their members.

There are three broad types of business insurance:

Insurance is an essential part of running any business. If you are operating a small business you need more than just property insurance. Taking out the right insurance will help protect your business and minimise its exposure to risk.

Your insurance requirements will vary according to the type of business you are operating, but you should be aware that some forms of insurance are compulsory, such as workers’ compensation and third party car insurance.

ravelers offer competitive rates on auto insurance with broad coverages and additional optional coverages to enhance your protection. Plus, important extras to get you on the road fast in the event of an accident.

or call us at 1.888.695.4625

Travelers Auto Policy Provides:

* Collision Coverage. Covers auto damage from a collision with another car.
* Comprehensive Coverage. Covers auto damages from causes such as fire, theft, hail, vandalism or many other events.

As an industry leader, we pride ourselves in delivering excellence in every phase of our operations. Our insurance professionals work diligently to provide superior products and superior service. Listed below are a few reasons why Travelers should be your carrier of choice:

* Financial Stability
In the business for over 140 years, Travelers has established itself in the marketplace as a financially stable company that you can rely on. You can feel confident knowing that your business will be protected in the event of a loss.
* Flexible, Competitive Products

Travelers Workers' Compensation coverage is an available coverage that is available to be added to a variety of policy types to round out your insurance protection. Workers' compensation insurance provides benefits to employees for work-related injuries. Coverage includes medical care and a portion of lost wages when the employee is unable to work. This insurance also provides benefits for the employee's dependents if the employee dies during work-related duty.

With an Umbrella Liability Policy in place, there are fewer worries about depleting valuable business assets or future income to cover catastrophic liability claims. An Umbrella Liability Policy supplements your existing policy's general liability, auto liability and employers liability limits.

Travelers OMNI product is designed for those businesses that satisfy our underwriting guidelines, but require specialized coverage tailoring unavailable in Master Pac or Pac Plus.