LinesBOP, WC, Commercial auto, Umbrella, Auto, Home, Dwelling, Personal umbrella, Specialty
Agent portalYes
Quote APIYes
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Offices | BOP | Most states | Travelers Bindable Quick Quote targets office businesses in financial services, professional services and healthcare, with a bindable quote in as few as eight questions. |
| Contractors | BOP | Most states | Specialty trade contractors such as carpenters, flooring installers, electricians, HVAC, landscapers, painters and plumbers. Max $5M TIV per location, $750K payroll, 25 power units (Select Accounts guide, rev. April 2019). |
| Retail | BOP | Most states | Retailers of apparel, electronics, furniture, hardware, gifts and home and garden goods. Max $5M TIV per location and $15M sales. New ventures are eligible (Select Accounts guide, rev. April 2019). |
| Restaurants | BOP | Most states | Quick service, fast casual, family style and fine dining. Max $10M TIV per building and $10M annual sales (Select Accounts guide, rev. April 2019). |
| Wholesale | BOP | Most states | Wholesalers of food and beverages, appliances, electronics and paper goods. Max $15M TIV per location and $15M sales, with three years under the same ownership (Select Accounts guide, rev. April 2019). |
| Homeowners | Home | Most states | Quantum Home 2.0: dwelling insured to 100% of replacement cost. Ineligible: roof not replaced in 25 years (tile and slate excepted), wood shake or more than 2 roof layers, log, mobile or manufactured homes, knob-and-tube wiring, polybutylene or galvanized plumbing, over 7 road miles to the fire department, more than 1 loss in 12 months. Coverage A of $1.5M+ needs a central alarm and underwriter approval (Maine eligibility guidelines PL-50600, Aug 2021; no other state's version found publicly). |
| Condo | Home | Most states | Quantum Home 2.0 condo form: Coverage A and C combined of $500K+ needs a monitored central fire and burglar alarm and underwriter approval. Same wiring, plumbing, heating and loss-history rules as homeowners; units in Extreme hurricane zones are ineligible (Maine eligibility guidelines PL-50600, Aug 2021). |
| Renters | Home | Most states | Quantum Home 2.0 tenant form: Coverage C plus additions and alterations of $500K+ needs a monitored central fire and burglar alarm and underwriter approval. Water backup is capped at $50K (Maine eligibility guidelines PL-50600, Aug 2021). |
| Landlord | Dwelling | Most states | Quantum Home 2.0 landlord dwelling and landlord condo: ineligible if the applicant owns more than 9 rental dwellings or condos, or the rental has a wood, coal or pellet stove. Coverage A of $1M+ needs underwriter approval, and rentals over 6 months without a local property manager are referred (Maine eligibility guidelines PL-50600, Aug 2021). |
| Recreational vehicles | Specialty | Most states | Quantum Boat 2.0 (July 2024) takes principal operators as young as 21 and first-time owners, covering personal watercraft, center consoles, pontoons, sailboats and classic boats; launch states AR, AZ, IN, ME, MN, MS, MO, OK, TN, TX. Quantum Yacht 2.0 (May 2025) covers watercraft 27 feet and longer; launch states CT, GA, IL, ME, MD, MA, NH, NJ, NY, VA. Both releases say more states are rolling out. |
How to quote Travelers
→Carrier portal. Quote directly in the Travelers agent portal.
→Quote API. Available to platforms and agencies with a direct integration.
→Tarmika Bridge. Applied Epic or EZLynx agencies quoting BOP and WC.
→Semsee. Agencies quoting several small-commercial lines.
Getting appointed
Travelers is selective and typically appoints established agencies, because it requires historical agency performance information to contract. Applicants must be licensed in each state they plan to write and pass a criminal background check. New agencies are pointed toward existing Travelers agencies.
Sources
- Travelers: 6 Ways Agents Can Save Time as They Build Their Small Commercial Book
- Travelers: BOP 2.0 for agents
- Travelers: Travis Upload & Go for workers compensation
- Business Insurance: Travelers launches AI quoting tool for workers comp (Oct 2026)
- Travelers: Select Accounts Appetite Guide (BSLBR.0001-D Rev. 4-19, hosted copy)
- Travelers: Agency appointment requirements
- Travelers API Portal
- Semsee: carrier list on homepage
- Travelers: Quantum Home 2.0 Maine New Business Eligibility Guidelines (PL-50600, Aug 2021, filed with Maine Bureau of Insurance)
- Travelers: Travelers Introduces Quantum Yacht 2.0 (May 2025)
- Business Wire: Travelers Introduces Quantum Boat 2.0 (July 2024)
- Travelers Companies Form 10-K for fiscal 2025 (SEC): Personal Insurance distribution and products
- Applied Systems: Tarmika Carriers List (effective May 29, 2026; BOP and GL indication, WC bindable; Quick Quote)