An Overview of Travelers Casualty Insurance Company of America

Travelers Casualty Insurance Company of America is a leading property and casualty insurer in the United States. It provides insurance products and services to both individuals and businesses. This article will provide an overview of Travelers Casualty, including its history, financial strength, coverage options, customer service, and more.

Introduction to Travelers Casualty Insurance Company

Travelers Casualty Insurance Company of America is a subsidiary of The Travelers Companies, Inc. The Travelers Companies operates through three segments:

• Business Insurance – Provides property, liability, workers’ compensation, specialty lines, and surety products to businesses of all sizes
• Bond & Specialty Insurance – Provides management and professional liability, environmental and cyber risk mitigation products, and surety and contract bonds
• Personal Insurance – Offers automobile, homeowners and other property, umbrella, personal marine, and valuable articles coverages to individuals

Travelers Casualty falls under the company’s Business Insurance segment. It was founded in 1853 and is currently headquartered in Hartford, Connecticut.

Travelers offers insurance through independent agents, brokers, or directly to customers. It employs around 30,000 people and writes policies in all 50 states plus the District of Columbia.

Travelers Casualty Financial Strength

Travelers has consistently maintained excellent financial strength ratings from leading independent agencies:

• A++ (Superior) from A.M. Best Company
• AA- from Fitch Ratings
• Aa3 (Excellent) from Moody’s Investors Service
• AA- from Standard & Poor’s

These high ratings reflect the company’s strong capital position, prudent investment strategies, consistent profitability, and ability to withstand market volatility. Travelers has over $25 billion in statutory capital and surplus.

The company’s balance sheet is comprised of high-quality assets that provide liquidity. Travelers maintains disciplined underwriting standards and carefully manages risks. It has delivered steady earnings even through challenging economic periods.

Travelers Insurance Products

Travelers Casualty provides all major lines of commercial and personal insurance. Key products include:

Commercial Insurance

• General liability insurance
• Commercial auto insurance
• Workers compensation insurance
• Commercial property insurance
• Umbrella insurance
• Professional liability insurance
• Cyber insurance
• Management liability insurance
• Surety bonds

Personal Insurance

• Auto insurance
• Homeowners insurance
• Renters insurance
• Condo insurance
• Excess liability insurance
• Identity fraud expense insurance
• Wedding insurance
• Pet insurance
• Flood insurance
• Motorcycle insurance
• Boat insurance

Travelers writes both monoline policies focused on a single coverage and multi-peril policies that bundle several coverages together. Packaged plans like Business Owner’s Policies (BOP) and Commercial Package Policies (CPP) provide broad protection.

For commercial clients, Travelers offers customized coverages for over 160 industries including construction, manufacturing, healthcare, technology, and real estate.

Travelers Insurance Claims Process

Travelers Casualty has a large claim operation with over 12,000 professionals committed to providing excellent customer service. Policyholders can report and track claims 24/7 by phone or online.

The company handles over 5 million claims per year. Key features of Travelers’ claims services include:

• 24/7 claim reporting via phone, web, or mobile app
• Direct repair program with a network of certified repair shops
• ** Hassle-free car repairs** with payments made directly to auto repair facilities
• Replacement cost coverage for personal property with no depreciation
• Claims Valuation Services to determine accurate rebuilding costs for commercial property claims
• Multinational claims team to handle losses abroad
• Special investigation units to detect fraudulent claims
• Nationwide network of claim adjusters for prompt response

Travelers consistently earns high marks for customer satisfaction with its claim process. The company works to pay out legitimate claims quickly while deterring fraud.

Travelers Insurance Customer Service

Travelers provides customer service, billing, and policy support through the following channels:

• Phone: Customers can call 1-800-CLAIM-33 (1-800-252-4633) for policy questions or claim-related issues. Specialized teams assist personal auto/home and commercial clients.

• Online: The company’s website offers online bill pay, policy management, and claim tracking through a secure customer portal. Mobile apps are also available.

• Agents: Independent and exclusive Travelers agents can provide local in-person assistance. Find an agent on Travelers.com.

• Email & Mail: Customers can contact the company’s support teams by email or mail. Claim-related inquiries may be emailed to [email protected].

Travelers provides customer service in over 150 languages. Service teams are available 24/7 to assist with emergencies like auto accidents or property damage from severe weather.

Travelers Insurance Reviews

Travelers earns positive reviews from policyholders and industry experts:

• A+ rating with the Better Business Bureau
• 4.2 out of 5 stars from customers on Trustpilot
• Reader’s Choice award from Insurance Business Magazine
• J.D. Power award for auto and home policy service satisfaction
• Forbes ranking as a top personal property & casualty insurer

Reviews praise Travelers for its strong financial position, breadth of coverage options, competitive rates, and quality claims handling. The company has invested heavily in improving customer experiences with intuitive platforms, smart home discounts, and excellent service teams.

Is Travelers Right for You?

Here are some key advantages of choosing Travelers for your insurance needs:

• Financial stability: Travelers has the financial strength to pay out large claims reliably.

• Full suite of products: Travelers offers complete insurance solutions for individuals and businesses.

• Industry expertise: The company has deep knowledge of over 160 industries to craft tailored coverage.

• Local agents: Independent agents help you choose the right policies and provide ongoing support.

• High marks for claims and service: Travelers invests in customer satisfaction and process automation.

• Competitive pricing: Travelers leverages its scale, data, and efficiency to offer affordable premiums.

• Cutting-edge tools: Travelers provides digital solutions to manage your policy anytime, anywhere.

Travelers is a leading choice for both commercial and personal insurance due to its financial ratings, customer satisfaction, and wide range of coverage options. Contact a Travelers agent today to request a quote.

Frequently Asked Questions

What types of insurance does Travelers offer?

Travelers offers a full suite of property and casualty insurance products for businesses and individuals. This includes commercial policies like general liability, workers compensation, commercial auto, and business owner’s policies. Personal policies include auto, homeowners, condo, renters, umbrella, identity theft, flood, wedding, and pet insurance.

How do I file an insurance claim with Travelers?

You can file a claim 24/7 by phone at 1-800-CLAIM-33 or online through the Travelers mobile app or website. Provide details about your loss and Travelers will assign an adjuster. Track your claim status online or via the app.

Does Travelers have good customer service?

Yes, Travelers has invested heavily in customer experience and earns high marks in third-party surveys and reviews. The company offers 24/7 support, an online customer portal, mobile apps, and local agents to provide assistance when you need it.

Is Travelers cheaper than other insurance companies?

Travelers leverages its data, risk expertise, and scale to offer very competitive pricing. Premiums vary based on your unique risks and coverage selections. Always compare quotes from multiple insurers to find the best value for your situation.

Does Travelers have local agents near me?

Yes, Travelers distributes products through over 11,000 independent agents and brokers nationwide. Visit Travelers.com to find an agent in your local area who can provide personalized service.