Travelers
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Operational view based on currently published, U.S.-focused carrier and agent materials: GENERAL / AGENT ACCESS - Travelers distributes almost all commercial and personal lines through appointed independent agents and brokers. Appetite, eligibility, pricing and submission tools are accessed via the agent portal (foragents.travelers.com). Agents are expected to use Travelers’ digital appetite and quoting tools to confirm eligibility, pricing indications and coverage options before formal submission. ([travelers.com](https://www.travelers.com/foragents/optimizing-the-agent-experience?utm_source=openai)) - Travelers emphasizes use of its Select Accounts Appetite Guide and online appetite tools for small commercial risks, and separate product- or industry-specific materials for larger accounts and specialty lines (e.g., ocean marine, cyber via Corvus by Travelers). ([foragents.travelers.com](https://foragents.travelers.com/lscontent/iw-documents/business/small-bus/appetite-guide/select-app-guide-print.pdf?utm_source=openai)) - Underwriting is model- and data-driven; carrier explicitly notes use of extensive written guidelines and statistical models to assist in risk selection and pricing across all lines. Agents should expect information orders (reports, inspections, credit/insurance scores where permitted) as part of routine underwriting. ([sustainability.travelers.com](https://sustainability.travelers.com/drivers-of-sustained-value/ethics-and-values/responsible-business-practices?utm_source=openai)) WORKERS COMP (WC) – COMMERCIAL Preferred business / target profile - Small to mid-sized commercial accounts written through Travelers “Select Accounts” and core business units. Preferred when WC is part of a broader account (package, auto, umbrella) but can be monoline where appetite and loss profile support it. - Appetite guide shows WC offered alongside Package/BOP, Commercial Auto and Umbrella for most standard Main Street segments (e.g., commercial real estate, residential property, wholesalers & distributors, light manufacturing, many service risks). Carriers flag WC where they expect a smooth quote experience and where class/loss profile align with small commercial guidelines. ([foragents.travelers.com](https://foragents.travelers.com/lscontent/iw-documents/business/small-bus/appetite-guide/select-app-guide-print.pdf?utm_source=openai)) Restricted / declined characteristics (operational expectations) - Risks outside Select segments, with poor loss experience, severe frequency, or high-hazard operations are typically placed into middle-market or specialty units, or declined if outside overall appetite (e.g., difficult class codes, heavy contracting without appropriate controls, poor safety culture). - Underwriters expect complete 3–5 year loss histories, detailed operations descriptions (including subcontractor use, employee count by class and state), and strong safety / risk control programs for accounts with any meaningful hazard. Submission & broker notes - Use online appetite tools and Select Accounts Appetite Guide to confirm the WC class and segment are supported, then submit via Travelers’ commercial platforms. - Travelers Risk Control resources are positioned as a value-add and often referenced when underwriting higher-hazard WC classes; agents that can describe existing controls (training, hazard mitigation, return‑to‑work) are more likely to achieve favorable terms. ([foragents.travelers.com](https://foragents.travelers.com/lscontent/iw-documents/business/small-bus/appetite-guide/select-app-guide-print.pdf?utm_source=openai)) COMMERCIAL UMBRELLA Preferred profile - Umbrella is widely offered over Travelers primary lines (package, auto, WC, GL) for small and midsize accounts. Appetite guide shows umbrella alongside other lines for many Select segments and is positioned as a routine cross-sell where primary is with Travelers and the risk characteristics are standard. ([foragents.travelers.com](https://foragents.travelers.com/lscontent/iw-documents/business/small-bus/appetite-guide/select-app-guide-print.pdf?utm_source=openai)) - Preferred accounts are well-managed, with clean or predictable loss histories, conservative operations, and adequate underlying limits consistent with Travelers’ umbrella minimums. Restricted / declined - Typically restricted when underlying is non-Travelers, limits are inadequate, loss history shows severity exposures (catastrophic GL/auto losses, poor safety), or operations are heavy hazard (e.g., large trucking fleets, high-hazard construction, certain habitational or product exposures) without commensurate controls. Submission & broker notes - Agents are expected to verify that underlying policies meet Travelers’ minimum coverage and limit requirements before requesting umbrella. In practice, Travelers will require schedules of underlying policies, limits, retro dates where applicable, and loss information. - For small commercial, umbrella is often quotable in-line with BOP/package quoting as long as the appetite indicators in the Guide are favorable. HOME (HOMEOWNERS – PERSONAL LINES) Preferred business - Standard to above-average preferred homeowners in most U.S. states (Travelers currently writes HO in 45 states plus D.C., not all states). ([nerdwallet.com](https://www.nerdwallet.com/insurance/homeowners/travelers-home-insurance-review?utm_source=openai)) - Owner-occupied primary residences with good maintenance, acceptable roof and systems condition, and solid credit/insurance scores where permitted. - Properties with limited prior losses, no significant unrepaired damage, and no unusual liability exposures. Restricted / declined characteristics (from state filings, regulator summaries, and observed practice) - Non‑owner‑occupied dwellings and properties that do not meet minimum occupancy requirements (e.g., long periods vacant or used primarily as rentals/STRs) are commonly non‑renewed or declined if they fall outside Travelers’ home-owner-occupied underwriting standards. ([reddit.com](https://www.reddit.com/r/Insurance/comments/1ioy5mg?utm_source=openai)) - Dwellings with roof types, ages or conditions outside guidelines, or with significant unrepaired hazards, may be subject to cancellation or non‑renewal following inspection. ([reddit.com](https://www.reddit.com/r/homeowners/comments/11xos9l?utm_source=openai)) - In certain states, filings note underwriting restrictions (e.g., higher deductibles, special conditions or limitations) in higher‑risk CAT or distressed areas; agents should confirm state‑specific rules on the agent portal and via state filing summaries. Submission & broker notes - Online property quotes are explicitly not binding applications; final eligibility and pricing depend on verification of property characteristics, claim history, credit/insurance score (where allowed), inspections and other third‑party data. ([travelers.com](https://www.travelers.com/about-travelers/legal/personal-insurance/quoting-disclosures?utm_source=openai)) - Agents should disclose accurate occupancy, construction, roof details, prior losses and any unusual exposures. Expect post‑bind inspections and possible underwriting actions (reinspection requirements, coverage changes, or non‑renewal if guidelines are not met). BOAT / WATERCRAFT – PERSONAL & OCEAN MARINE Personal boat & yacht (main street) Preferred risks - Individually owned boats and yachts used for personal / pleasure purposes with typical power and size, operated within customary navigational limits. Travelers’ consumer‑facing materials describe comprehensive hull and liability coverage, including personal property on the vessel and certain emergency haul-out / storm protection benefits. ([travelers.com](https://www.travelers.com/boat-yacht-insurance/coverage?utm_source=openai)) - Boats kept in good condition, with appropriate safety equipment, and with operators having acceptable driving and boating histories. Restricted / declined - Higher-hazard personal watercraft or unusual performance vessels, commercial uses, or vessels outside size/age guidelines may require specialty marine placement or may be out of appetite. Ocean Marine – Hull & P&I / Commercial watercraft Preferred risks - Commercial hull and watercraft liability for standard marine operations (workboats, tugs, barges and other commercial vessels) where operations fit Travelers’ ocean marine appetite and risk control standards. Travelers markets a portfolio of hull and P&I solutions focused on well-managed, professionally operated fleets. ([travelers.com](https://www.travelers.com/business-insurance/ocean-marine/hull-watercraft-liability?utm_source=openai)) Restricted / declined - High‑hazard operations (blue‑water shipping, certain offshore energy operations, poorly maintained fleets, or operators with serious loss histories) may be declined or handled via specialized marine underwriting with additional conditions. Submission & broker notes – watercraft - Personal boat/yacht: submissions typically require detailed vessel information (year, make, model, length, hull type, horsepower, maximum speed), mooring/lay‑up locations, prior losses and operator history. - Commercial hull/P&I: underwriters expect vessel schedules, crew details, operating territories, gross receipts or tonnage measures, safety management practices, and 5‑year loss runs. CROSS‑LINE UNDERWRITING PRACTICES / EXPECTATIONS - Data & reports: For both personal and commercial lines, Travelers regularly orders consumer reports, CLUE/loss history, motor vehicle records and other third‑party data as part of underwriting, and explicitly notes that quotes are subject to change after such verification. ([travelers.com](https://www.travelers.com/about-travelers/legal/personal-insurance/quoting-disclosures?utm_source=openai)) - Inspections: For property lines (home, some boat risks, and commercial property), physical or virtual inspections are common. Underwriting actions (coverages, conditions, or non‑renewals) may follow if the risk does not conform to published guidelines. - Geography: Available states, CAT peril appetites and program nuances (e.g., deductibles, mandatory endorsements, roof or wildfire rules) are state‑specific and change over time. Agents must verify current state availability and any moratoria or restrictions via the agent portal when quoting. PRACTICAL BROKER / PRODUCER NOTES - Always check Travelers’ appetite tools (including the Select Accounts Appetite Guide and any product‑specific appetite documents) from the agent portal before marketing an account, particularly for WC and umbrella. ([travelers.com](https://www.travelers.com/foragents/optimizing-the-agent-experience?utm_source=openai)) - For personal lines (home, boat, personal umbrella), disclose all relevant exposures (rental use, home age/roof condition, watercraft details, prior claims). Quotes are subject to re‑underwriting; misclassified or undisclosed exposures often lead to mid‑term changes or non‑renewal. - For marine and other specialty risks, coordinate early with Travelers’ specialty underwriters; these lines rely heavily on technical risk information and loss control. - Use Travelers’ Risk Control and claims data resources (accessible via the portal) in submissions for WC, umbrella and packages to demonstrate risk quality and differentiate your account. Note: Travelers’ detailed line-of-business underwriting manuals are not published publicly; the above reflects the most current, publicly accessible appetite and submission guidance, combined with state and agent-facing summaries.