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
Verified current official producer-facing guidance exists through Travelers’ Select Accounts Appetite Guide on the foragents.travelers.com portal. The guide is aimed at small commercial/select accounts and is organized by industry with line-by-line appetite indicators for BOP/package, commercial auto, workers compensation and umbrella. Travelers positions Master Pac/BOP as the core package for everyday property and liability exposures, with umbrella and workers compensation commonly available for eligible classes. Operationally, Travelers appears to prefer mainstream small-to-midsize businesses with clear operations, moderate hazard profiles, updated buildings when property is written, and accounts that fit published class/size thresholds. Examples of published size parameters shown in the guide for target segments include up to $50M total insured values per account, $15M per location, about $20M annual sales and up to 25 power units for some professional/financial services segments. Home-based businesses and new ventures are expressly acceptable in some target segments, which is useful for small business producers. For Commercial Umbrella, Travelers’ public product page states it writes commercial umbrella and excess across industries, can support small, midsize and large organizations, offers limits up to $25M, and may write unsupported/monoline umbrella in some situations. Umbrella follows over GL, auto liability and employer’s liability and is intended for catastrophe-scale loss protection. For Workers Compensation, Travelers publicly emphasizes broad market capability, long experience, and both voluntary and assigned-risk servicing; assigned-risk workers compensation is available for employers unable to secure coverage in the voluntary market. The appetite guide confirms WC is part of the standard line set for many eligible classes, but some classes have WC restrictions. Published class restrictions/redirects include: boat dealers and service are routed to Northfield E&S rather than standard Select appetite; auto dealers (all other, franchised, mobile equipment), auto restoration/dismantling/rebuilding, auto tire sales/installation, parking garages/lots, gas stations without repair, and certain higher-hazard or unusual operations are also redirected to Northfield E&S. In professional services, consultants involved in construction or manufacturing processes, product design, safety, quality assurance or OSHA compliance are not eligible; political/campaign consultants and lobbyists are not eligible; property, real-estate management and construction-management firms are not eligible; private equity, venture capital and hedge funds are ineligible. Independent claim adjusters are acceptable only with caveats: no TPAs for medical or WC claims, and CAT specialists are not eligible for WC. Other examples of operational restrictions include no emergency call or health alert services for answering services; no propane tank filling for certain auto/general repair classes; convenience items and gas sales capped at 50% of revenue for automobile general repair; no roofing operations for certain contractor classes; no custody/control financial institutions or collection agencies in financial services; and marijuana/hemp/CBD appears in the guide as a difficult class rather than standard appetite. Geography notes: Northfield states coverage available in all states for eligible hard-to-place E&S business, while certain products such as liquor liability are available in most states; the appetite guide also notes coverage availability depends on underwriting qualifications and state regulations, and producers should confirm state-specific availability with their Travelers representative. Submission/broker notes: the appetite guide is designed for agents to quote confidently by class and line, and Travelers expressly notes agents can quote/issue monoline GL through TravelersExpress for certain classes marked acceptable or borderline, subject to state availability. For classes outside standard appetite, Travelers directs business to Northfield, its non-admitted E&S platform, through appointed E&S wholesalers. Public-facing business and personal lines pages direct insureds to independent agents; MyTravelers registration supports business policies plus personal home/boat policies, and agents can request online tool access through Travelers’ agent support channels. For the requested personal lines, Travelers publicly verifies Home and Boat/Yacht are active personal insurance offerings on the main site, but no detailed personal-lines underwriting/appetite guide was openly verified from official public or producer pages in this refresh, so only product availability—not detailed home/boat underwriting rules—could be confirmed.