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Travelers Deluxe SMPROPERTY INSURANCE THAT RESPONDS TO THE INNOVATION OF TODAY’S BUSINESSESWhen it comes to insuring commercialproperty, we do it right.Travelers Deluxe offers property insurancethat meets the changing needs of businesscustomers. We understand evolvingbusiness environments and how theyoperate. Our customers get a policy thatadapts to their property coverage needs.Coverage confidenceTravelers Deluxe core policy includes buildings, personalproperty, time element (Agreed Value is included) andmarine coverages. It is a broad, integrated approach topackaging the coverage needs of our customers in a singlepolicy. Here are just a few of the coverages that makeTravelers Deluxe a must-have product for our customers.• Business Income Extended Period of Indemnity for 180 days(exceeds industry standards) with options to increase evenfurther. Coverage for lost income beyond date of restoration• Green Building Alternatives – Increased Cost to pay foradditional costs incurred to repair or replace damagedbuildings using green alternative products and materials• EDP equipment embedded in Business Personal Property.Robust data and media coverage with the ability toincrease limits up to Business Personal Property limits• Leasehold Interest Undamaged Tenants Improvements andBetterments coverage to pay for the loss of such propertyassociated with cancellation of a lease by the landlordfollowing a property loss at a leased location• Personal Property in Transit coverage for propertytransported by any mode of transportation within andoutside the coverage territoryAnd for businesses requiring unique coverage, policies canbe enhanced with our highly specialized endorsements.Built-in flexibility for ease of doing businessDid you know…Over 60% of commercial building limits areundervalued by more than 25%. Fifty percent ofcommercial contents are undervalued by morethan 50% 1In 2011, 2,941 monthly weather records were set inthe U.S. (all states impacted). Fourteen of these majorevents totalled over $53 billion in property damages 2Seventy-five percent of companies without businesscontinuity plans fail within three years of a disaster 31Marshall & Swift/Boeckh, The Property Hub, June 20122Natural Resources Defense Council, December 20113Bruce T. Blythe, CEO, Crisis Management International, Blindsided: A Manager’s Guide toCatastrophic Incidents in the Workplace (Portfolio Hardcover, August 22, 2002)Travelers Deluxe offers a wide range of embedded coveragesso there are fewer add-on extensions or endorsements forcommonly requested coverages. When it comes to specializedcoverages, we offer many. Here are just a few:• Dependent Business Income/Extra Expense coverage forloss associated with damage at domestic and foreigndependent properties• Whether your product is in the warehouse or in-transit,this single policy can address first-party exposures suchas domestic transit and equipment breakdown• Tailored Property and Business Income SegmentEndorsements for specialized industries such as Technologyand Public SectorAnd when it’s needed, we have the flexibility to tailor policiesto meet individual customer needs.Services that matter