Coverage you didn't know you had. Master Pac, on A++ paper.
Travelers' business owners policy puts property and liability in one place — and builds in coverage most owners assume they'd have to buy separately. Employee dishonesty. Accounts receivable. Equipment breakdown. Here's what's actually in it, which of the sixteen industry segments yours falls into, and what we check before you sign.
The short answer
Master Pac is Travelers' business owners policy — property and liability together, with employee dishonesty, accounts receivable, money and securities, building glass and equipment breakdown included automatically. General liability limits of $2M/$4M are available for most businesses, and Travelers builds coverage for sixteen industry segments. Cribb Insurance Group places it from Bentonville, against 40+ carriers.
The coverage is already in there.
A lot of business owners policies are a thin base plus a list of things you have to know to ask for. Master Pac's argument is the opposite: a stack of coverages that are simply in the policy, at real limits, before anybody adds anything.
Automatically included, with higher limits up to $1 million available. If you lease your space — and most small businesses do — this is the one that answers the fire you caused in a building you don't own.
What comes in the box.
Employee Dishonesty — $25,000 included. Higher limits available, and on some segments it extends to theft of a client's property by people who work at client sites. Nobody wants to think about this one. Everybody who has needed it wishes they'd read the limit first.
Accounts Receivable — $25,000 included. Higher limits available. If the records of who owes you money are destroyed, this is what stands in for the money.
Equipment Breakdown — included up to your business personal property limit, with a $100,000 sublimit for diagnostic, power generating and production equipment and higher limits available. This is the compressor, the walk-in, the CNC — the thing that isn't damaged by a peril, it just stops.
Money and Securities and Building Glass — both automatically included. Electronic Data Processing — included within your BPP limit up to $50,000, with sublimits by loss type and increased limits available on Power Pac and the premier endorsements.
And General Liability at $2 million per occurrence / $4 million aggregate is available for most businesses.
Sixteen segments, not one generic form.
Travelers builds Select Accounts coverage around sixteen industry segments, several with their own Premier endorsement adding coverage specific to that trade. It's the difference between a policy written for "a business" and one written for what you actually do all day.
| If you're a… | Coverage built for that, by name |
|---|---|
| Restaurant | Spoilage at $5,000 automatically included, with higher limits. Liquor Legal Liability available. Restaurant and Perishable Goods Premier for a perishable exposure. |
| Garage or body shop | Garagekeepers Legal Liability for a customer's vehicle in your care. Garage Pac — automatic theft of employee tools, motor vehicle damage to leased buildings, business income for communication supply services. Mechanics Tools and Equipment, on and off premises. Pollutant Clean-up at $25,000. |
| Contractor | Business personal property off premises — tools, equipment, materials and supplies at installation sites, in transit or temporarily off premises. Contractors Equipment, scheduled and unscheduled. Additional Insured, primary and non-contributory where a written contract requires it. |
| Medical or dental practice | Medical Dental Premier. EPL+ for wrongful employment practices, including identity fraud expense reimbursement. Equipment Breakdown reaching diagnostic equipment. |
| Salon, spa or barber | Barber, Beauty or Spa Professional Coverage automatically included in Master Pac. Business Income – Mobile Operations Vehicle if you work out of a vehicle. |
| Vet, groomer or kennel | Veterinarians Professional Liability up to $2M/$4M. Pet Grooming Liability. Boarding Kennel. Animal Floater for animals in your care, custody and control. |
| Technology business | Technology Services Amendatory — 36+ enhancements, automatically included with Master Pac. CyberFirst Essentials for Technology with E&O up to $5M. XTEND for Technology. |
| Manufacturer or wholesaler | Selling Price Valuation — finished goods valued at selling price at the time of loss rather than actual cash value or replacement cost. Brands and Labels. Sales Representative Samples at $25,000. World Business Essentials for overseas exposure. |
And when the base isn't enough.
Master Pac is the floor, not the ceiling. Three things sit above it, and which one you need is a real question rather than an upsell.
The one your contracts need
A package of general liability enhancements — including coverage extended to unnamed subsidiaries other than partnerships and joint ventures, and a blanket waiver of subrogation. That's the clause GCs, landlords and municipalities keep demanding. Blanket means you stop chasing an endorsement every time you sign.
40+ added features
Coverage enhancement built for businesses with more sophisticated needs — 40+ expanded coverage features, and increased limits on things like electronic data processing. Several segments have their own version: Manufacturing Premier, Professional Services Premier, Medical Dental Premier.
For the breach, before it happens
Helps a small business respond to and recover from a data breach. Cyber isn't automatically part of every BOP — worth knowing rather than assuming, especially if you take card payments or hold customer records.
Business income, and the version nobody explains.
Business Income and Extra Expense applies on an Actual Loss Sustained basis for up to twelve months — meaning it pays what you actually lost, without you having to guess a number in advance. That's the good version, and it's the default.
It's also available on a policy or location basis for any dollar limit, without the twelve-month limitation. Two genuinely different shapes for two genuinely different businesses — and for a business whose rebuild would run past a year, the second one is the whole ballgame. It's the sort of choice that gets made by default when nobody raises it. We raise it.
For appointment-based businesses there's also a Billable Hours Option, which reimburses lost time when appointments have to be cancelled or rescheduled because of a covered loss. If your revenue is a calendar, that's your business income coverage.
Three questions worth ten minutes at quoting.
None of these are traps. They're the difference between a policy that's technically in force and one that's actually sized to your business — and asking them is our job, not yours.
Included is a starting point, not a measurement.
Everything in the first section is genuinely included and genuinely useful. It's also sized for a general case rather than for you. $25,000 of employee dishonesty is real coverage — and it's a number somebody picked without meeting you. Higher limits exist on nearly all of it.
So the useful exercise is short: take the included limits, hold each one against your actual business, raise the ones that don't reach. That's an audit, it takes ten minutes, and it's what we're for.
Which tier, and who decided?
Master Pac, Power Pac, Power Pac Premier, or your segment's Premier endorsement — these are meaningfully different policies, and the difference shows up exactly once, on the day of a claim.
A tier decision made by default is still a decision. Ask which one you're on and why before the policy is issued, not at the renewal where somebody explains it to you.
Read the declarations page with us once.
Everything on this page is what Travelers publishes for these products. What lands on your policy is whatever the issued policy says — contents change over time, vary by state and by segment, and only the declarations page and endorsement schedule are authoritative.
So the boring move that works: read it with us once, confirm the coverages you're counting on are actually listed at limits that reach, and know the answer before you need it rather than during a claim. That's what having an agent is supposed to buy you.
A++ (Superior), and 160+ years of small business.
On August 8, 2025, AM Best affirmed a Financial Strength Rating of A++ (Superior) with a stable outlook for the main subsidiaries of The Travelers Companies. A++ is the highest rating on AM Best's scale, and very few carriers hold it.
Travelers has been insuring the businesses that hold up American main streets for more than 160 years. On a business owners policy that history isn't sentiment — it's the reason the sixteen segments exist. Coverage this specific gets built by carriers who have paid enough claims in a trade to know what actually goes wrong in it.
Underwriting is described as account-by-account, with local decision-making authority — which matters when your business doesn't look like a spreadsheet's idea of your industry. Most real ones don't.
What a rating is, and what it isn't.
AM Best states plainly that a Financial Strength Rating doesn't address an insurer's claims-payment policies or procedures, and isn't a recommendation to buy or keep any policy. So A++ tells you Travelers can pay. That's real and worth knowing — it just isn't the same question as how a claim will go.
And we should be straight about our own role: we don't adjust your claim and we can't overrule an adjuster. What we do is make sure the coverage that should respond is actually on the policy and sized to reach, tell you whether a claim is worth filing before you file it, chase the file when it stalls, and move you to another of our markets if Travelers stops fitting your business. That last one is the part a captive agent structurally cannot do.
Travelers BOP questions.
What is Master Pac?
Master Pac is Travelers' business owners policy — property and liability coverage packaged together for small business rather than bought as separate policies. What makes it worth a look is how much sits inside it automatically instead of being sold to you one piece at a time: Employee Dishonesty, Accounts Receivable, Money and Securities, Building Glass and Equipment Breakdown are all included, and General Liability limits of $2 million per occurrence and $4 million aggregate are available for most businesses.
Higher limits and additional coverages are available above it. What lands on your policy depends on your business, on underwriting, and on the policy actually issued.
What coverage comes automatically with a Travelers BOP?
On Master Pac, Travelers automatically includes Employee Dishonesty at $25,000, Accounts Receivable at $25,000, Liability for Damage to Premises Rented to You at $300,000, Money and Securities, Building Glass, Equipment Breakdown up to your business personal property limit with a $100,000 sublimit for diagnostic, power generating and production equipment, and Electronic Data Processing within your BPP limit up to $50,000.
Higher limits are available on all of them — Damage to Premises Rented to You goes up to $1 million, and Employee Dishonesty up to $1 million on some segments. Automatically included doesn't mean automatically the right size, which is what the ten minutes at quoting are for. Figures vary by policy, segment and state and are subject to the terms of the policy issued.
Does Travelers write a BOP for my industry?
Travelers builds Select Accounts coverage around sixteen industry segments: commercial real estate and residential property, contractors, financial services, garages, healthcare, manufacturers, personal care services, pet care services, printers and publishers, professional services, religious and cultural organizations, restaurants and food service, retail, service businesses, technology services, and wholesalers and distributors. Several segments have their own Premier endorsement adding coverage specific to that trade.
Whether your particular business qualifies is an underwriting question with a real answer, and it's a phone call rather than a webpage — call (479) 286-1066 and we'll tell you, including when the answer points at one of our other markets.
What is the XTEND Endorsement?
XTEND is a package of general liability enhancements added on top of the base policy. Two of them earn their keep repeatedly. It extends coverage to unnamed subsidiaries other than partnerships and joint ventures, which is useful for owners who've set up more entities than they remember. And it includes a blanket waiver of subrogation — the clause general contractors, landlords and municipalities keep demanding in contracts. Blanket means you're not chasing a new endorsement every time you sign one.
There are XTEND versions for small business, for manufacturers and wholesalers, and for technology. Ask us to confirm which version applies to your policy.
Does a Travelers BOP include cyber coverage?
CyberFirst Essentials is available to help a small business respond to and recover from a data breach. For technology businesses, CyberFirst Essentials for Technology also carries errors and omissions coverage with limits available up to $5 million, plus options for Information Security Liability and Breach Essentials.
Cyber isn't automatically part of every BOP, which is worth knowing rather than assuming — if you take card payments, hold customer records or run scheduling software, it's a conversation worth having before the breach rather than after.
How long does business income coverage last on a Master Pac policy?
Business Income and Extra Expense applies on an Actual Loss Sustained basis for up to twelve months, which means it pays what you actually lost without you having to guess a number in advance. It's also available on a policy or location basis for any dollar limit, without the twelve-month limitation.
Those are two genuinely different shapes for two genuinely different businesses, and for an operation whose rebuild could run past a year the second one matters a great deal. For appointment-based businesses there's also a Billable Hours Option, which reimburses lost time when appointments have to be cancelled or rescheduled because of a covered loss. Which one is on your policy is worth knowing before a loss rather than after.
If our insurance guides and coverage comparisons are helpful, mark Cribb Insurance as a preferred source so more Northwest Arkansas businesses can find our local explanations.
Send us the declarations page.
Tell us what you do, what you own, what you lease, and who makes you sign contracts. We'll hold your included limits against your actual business and tell you which ones don't reach, ask the tier question before the policy is issued rather than after, and quote it across our markets. Travelers is one of 40+ carriers we represent — so if Master Pac is the right home for your business we'll tell you, and if it isn't, we'll tell you that too.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not Travelers, and this page is not written, reviewed, endorsed, sponsored or approved by Travelers. "Travelers," the Travelers Umbrella logo, "Master Pac," "Power Pac," "Power Pac Premier," "XTEND Endorsement," "CyberFirst Essentials," "World Business Essentials," "Garage Pac," "EPL+" and "TravelersExpress" are trademarks of The Travelers Indemnity Company and its affiliates, used here nominatively to identify products we are appointed to place. Travelers policies placed by this agency are issued by Travelers affiliates.
This page describes coverage in general terms for informational purposes only. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility, or price. Coverages, limits, sublimits, endorsements, program terms, eligibility and availability vary by business, by class, by industry segment, by state, by policy and over time, are set by the carrier, are subject to underwriting approval, and are subject to the terms, conditions, limits and exclusions of the policy actually issued. Coverages described as automatically included reflect Travelers' published description of the product and are not a representation that any particular coverage or limit appears on your policy; read your declarations page and endorsement schedule. Descriptions of the industry segments Travelers builds coverage for are not a representation that any particular business, class or operation is eligible or will be accepted; nothing on this page states or implies that any class of business is or is not eligible, and all risks are subject to underwriting. If anything on this page conflicts with the issued policy, the policy controls.
Professional liability, errors and omissions, directors and officers, and specialized bond coverages described as available through Travelers Bond & Specialty Insurance are separate products with their own terms, eligibility and underwriting. This page states no Arkansas statutory minimum limit of any kind; personal auto minimum limits do not apply to commercial policies.
Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance obligations, are subject to change, are not recommendations to purchase, hold or terminate any policy, and do not address an insurer's claims-handling practices; current ratings are at ambest.com. The A++ rating described applies to the main pool subsidiaries of The Travelers Companies rather than to every Travelers affiliate. Rates and premiums are not quoted on this page.
Last reviewed July 2026.