Travelers vs Liberty Mutual: Small Business Insurance Compared (2026)

⚡ Why use a brokerage platform instead of buying direct? These carriers let you buy directly — but you'll only see that one carrier's price. A brokerage platform like Insura shops 10+ carriers behind the scenes to find the lowest rate for your exact business. The price you pay is the same whether you buy direct or through a broker — carriers pay the broker's commission, not you.

Choosing between Travelers and Liberty Mutual for your small business insurance? This comprehensive comparison breaks down pricing, coverage options, customer reviews, and which carrier is the better fit for different types of businesses.

Quick Comparison: Travelers vs Liberty Mutual

Feature	Travelers	Liberty Mutual
Price Range	$45–$175/mo	$40–$160/mo
AM Best Rating	A++ (Superior)	A (Excellent)
Best For	Asset-heavy businesses	Growing businesses
Key Coverages	Commercial Auto, Property, GL, Workers Comp, Umbrella	GL, Workers Comp, Commercial Auto, Property, BOP
Online Quotes	Through agents	Through agents & online

Travelers Overview

Travelers is one of the oldest and largest commercial insurance carriers in the U.S., with an A++ AM Best rating and over 160 years of experience. Travelers is especially strong in property and commercial auto coverage.

Key Strengths

A++ financial strength — among the highest rated carriers
Industry-leading commercial property and auto coverage
Deep expertise across virtually every industry class

Coverage Options

Travelers offers a full suite of commercial insurance including general liability, commercial property, commercial auto, workers comp, umbrella, inland marine, and specialized industry programs. Travelers excels at coverage for businesses with significant physical assets.

Liberty Mutual Overview

Liberty Mutual is a Fortune 100 company and one of the largest commercial insurers in the U.S. Liberty Mutual offers a broad range of coverage options for businesses at every stage of growth, from startups to mid-market companies.

Key Strengths

Full suite of coverage that scales with your business
Strong claims support with a large, experienced team
Competitive pricing on bundled commercial packages

Coverage Options

Liberty Mutual offers general liability, workers compensation, commercial auto, property, BOP, umbrella, professional liability, and inland marine coverage. Liberty Mutual is known for its ability to serve businesses as they grow from small to mid-market.

Pricing Comparison

When comparing Travelers and Liberty Mutual on price, there are important differences to consider:

Coverage Type	Travelers	Liberty Mutual
General Liability	$45–$90/mo	$40–$80/mo
BOP	$55–$110/mo	$50–$100/mo
Workers Comp	$50–$130/mo	$45–$110/mo

Travelers pricing reflects their premium A++ rating and comprehensive coverage. They're most competitive for businesses with property, fleet, or equipment exposures.

Liberty Mutual offers competitive bundled pricing and is known for accommodating growing businesses that need to add coverage types over time.

Coverage Comparison

General Liability

Both carriers offer standard general liability coverage, but there are differences in limits, endorsements, and pricing. Travelers provides robust GL coverage with competitive rates and strong endorsement options. Liberty Mutual provides solid GL coverage with competitive rates and flexibility to add endorsements as needs evolve.

Professional Liability (E&O)

Travelers offers professional liability for a wide range of industries, with competitive pricing for established businesses. Liberty Mutual offers professional liability for many industries, with the ability to scale coverage as your business grows.

Workers Compensation

Travelers is one of the top workers comp carriers in the U.S. with extensive safety services, return-to-work programs, and competitive rates. Liberty Mutual is a major workers comp carrier with strong safety programs and return-to-work services.

Customer Reviews & Ratings

Metric	Travelers	Liberty Mutual
Customer Satisfaction	4.4/5 (Very Good)	4.2/5 (Good)
Claims Process	Experienced claims team	Large claims team
Ease of Purchase	Agent-based	Agent + online options

Which Is Better for Your Business?

Choose Travelers if:

Your business has significant property, vehicles, or equipment
You want an A++ rated carrier with maximum financial stability
You need deep industry expertise and broad coverage options

Choose Liberty Mutual if:

Your business is growing and needs scalable coverage
You want a full-service carrier that can handle all your lines
Strong claims support is a priority

The Bottom Line

Travelers is a top-tier carrier for asset-heavy businesses that need robust property, auto, and liability coverage from a financially bulletproof insurer. Liberty Mutual is a strong all-around choice for growing businesses that need comprehensive, scalable coverage from a large, stable carrier. The best choice depends on your specific business needs, budget, and the types of coverage you require.

Ready to compare quotes? Use Insura to get side-by-side quotes from Travelers, Liberty Mutual, and other top carriers in minutes. Our licensed agents can help you find the right coverage at the best price.

Why Use a Brokerage Platform Instead of Buying Direct?

When a carrier offers instant quote-and-bind on their website, it's convenient — but you're only seeing one carrier's rates. A brokerage platform like Insura changes that equation:

One application, multiple quotes. Fill out one form and get compared across 10+ A-rated carriers including Hartford, Chubb, Hiscox, and more. No need to re-enter your business info on five different websites.
The price is the same — or lower. Carriers pay the broker's commission directly. Your premium is identical to what you'd pay buying direct, and often lower because a broker can find a carrier that prices your specific risk more competitively.
We work for you, not the carrier. A direct carrier's website is designed to sell you their policy. A brokerage platform is designed to find you the best policy — we have no incentive to push one carrier over another.
Automated comparison shopping, year after year. When your policy renews, a brokerage platform automatically re-shops your coverage across carriers to make sure you're still getting the best rate. Buy direct, and you're locked into one carrier's renewal pricing with no leverage.
Licensed experts when you need them. Have a coverage question or need help with a claim? You get access to real brokers — not a carrier's customer service line reading from a script.

→ Get your free multi-carrier quote

Frequently Asked Questions

Is Travelers or Liberty Mutual cheaper for small business insurance?

Travelers is competitively priced for mid-market businesses, especially those with property and auto needs. GL starts around $45/mo.

Which carrier has better customer reviews?

Travelers consistently receives strong reviews for claims handling and financial stability, with particular praise for their commercial property and auto coverage.

Can I get quotes from both carriers through Insura?

Yes! Insura works with both Travelers and Liberty Mutual, along with dozens of other A-rated carriers. Get multiple quotes in minutes and compare coverage side by side.

Don't limit yourself to one carrier's price. Insura compares Hartford, Chubb, Hiscox, and 20+ other carriers — the price is the same or less, and you'll know you got the best deal. Get your free multi-carrier quote →