When purchasing insurance, you’ll likely come across your insurer’s NAIC number at some point. NAIC stands for National Association of Insurance Commissioners. This organization assigns a unique 5-digit code to every insurance company that operates in the United States.
Knowing your insurance company’s NAIC number can be useful for several reasons:
- Filing complaints
- Identifying the company on official paperwork
- Researching the company’s financial strength
- Confirming the company is licensed in your state
Below we’ll explain what NAIC numbers are, provide Travelers Insurance Company’s NAIC number, and discuss how these identification codes can benefit consumers.
What is an NAIC Number?
NAIC numbers are identification codes assigned by the National Association of Insurance Commissioners (NAIC) to all insurance providers in the U.S.
This numbering system helps regulators track companies and coordinate supervision across state lines. Each insurer receives a unique 5-digit NAIC number that follows them wherever they conduct business.
Here’s a quick overview of how NAIC numbers work:
- Assigned by the NAIC, which oversees industry solvency
- 5 digits long and unique to each insurance company
- Permanently attached to the company’s identity
- Lets regulators share info and track conduct across states
- Helps consumers file complaints and identify insurers
So in essence, an NAIC number is like an insurance company’s national ID card. The NAIC provides a complete index of these identification codes to industry regulators in all 50 states.
Why Do Insurance Companies Have NAIC Numbers?
NAIC numbers were implemented to help coordinate insurance regulation across different states. Without NAIC numbers, regulators would have a hard time tracking insurer behavior across state lines.
Here are some of the key reasons NAIC numbers are useful for insurance regulators:
Track regulatory actions – If one state takes disciplinary action against an insurer, the NAIC database lets other states see this so they can take appropriate action as well.
Share company data – States can upload key financial data, complaint trends, and enforcement issues into the NAIC national database.
Research solvency – Regulators can analyze NAIC financial data to identify insurers at risk of insolvency or needing increased supervision.
Assist in investigations – NAIC numbers help regulators share information and collaborate on multi-state investigations of insurer misconduct.
Streamline licensing – The NAIC numbering system helps states process licensing and renewals for companies that operate in multiple jurisdictions.
So in short, NAIC numbers allow regulators to coordinate oversight and protect consumers on a national scale. States can track insurer behavior and financial stability regardless of where the company sells policies.
What is Travelers Insurance Company’s NAIC Number?
Travelers Insurance Company’s primary NAIC number is 25658. This 5-digit code uniquely identifies Travelers in the NAIC national database.
However, Travelers does business through multiple subsidiary companies that each have their own NAIC number:
- Travelers Casualty Company: 41769
- Travelers Casualty & Surety Company: 19038
- Travelers Casualty & Surety Company of America: 31194
- Travelers Casualty Company of Connecticut: 36170
- Travelers Casualty Insurance Company of America: 19046
And many more. The specific Travelers company that underwrites your policy can be found on your coverage documents and ID card. But for general purposes, the primary NAIC number used to identify Travelers Insurance Company is 25658.
This NAIC number allows regulators to track Travelers conduct, financial data, complaints, and any disciplinary or enforcement actions across state jurisdictions. The NAIC number provides a unique identifier for Travelers as the company operates nationwide.
Why Do Consumers Need to Know Their Insurer’s NAIC Number?
As a policyholder, there are a few situations where you may need to reference your insurance company’s NAIC number:
Filing a complaint – Most states require you to provide the NAIC number when submitting a formal complaint against your insurance company. This allows the complaint to be routed appropriately.
Identifying the insurer – You may need to provide the NAIC number when filling out certain application or claim forms to ensure the correct insurance company is identified.
Researching financial strength – You can use an insurer’s NAIC number to look up their financial ratings and see if they’re financially stable.
Verifying licensure – Check that the NAIC number matches an insurer licensed in your state to confirm the company is authorized to sell policies.
So it’s a good idea to keep a record of your insurer’s NAIC number in case you need to reference it later for any reason. Key times you may need it include filing an official complaint against the insurer, reporting potential fraud, filling out certain claim forms, and researching their financial standing.
Knowing the NAIC number allows you to take these actions and protects you in dealings with the insurer.
How to Look Up an Insurer’s NAIC Number
If you need to find out an insurance company’s NAIC number, here are a few easy ways to locate it:
Insurance card – Most insurance ID cards will list the NAIC number on the back
Policy documents – Your policy declaration page or paperwork may include the insurer’s NAIC number
Company website – Many insurers list their NAIC number online for easy reference
NAIC website – You can search for a company on the NAIC website to find their assigned number
State regulator – Contact your state insurance department to get an insurer’s NAIC number
Looking up the number online or contacting your state regulator are the easiest approaches if you don’t have your insurance card or paperwork handy. This makes it quick to find an insurer’s NAIC number whenever you need it.
How NAIC Numbers Protect Consumers
NAIC numbers protect insurance consumers in several key ways:
Centralized complaint reporting – Regulators can spot issues faster if complaints are compiled in one system. This leads to quicker intervention.
Earlier solvency monitoring – Financial oversight coordinated at the NAIC identifies troubled insurers before they go bankrupt or defraud consumers.
Multi-state disciplinary action – Illegal or unethical insurer behavior gets disciplined more consistently when states share enforcement data.
Easier policyholder identification – Consumers referencing an insurer’s NAIC number ensures they get matched to the right company for claims and complaints.
More informed shopping – NAIC financial data helps consumers research an insurer’s financial strength before purchasing a policy.
While most policyholders won’t interact with the NAIC directly, NAIC numbers provide huge oversight benefits behind the scenes. The numbering system enables regulators to better protect insurance consumers across the U.S.
NAIC numbers uniquely identify every insurer in the U.S.
Travelers Insurance Company’s primary NAIC number is 25658. But each Travelers subsidiary also has its own NAIC number.
These identification codes help regulators track insurer behavior across state lines.
Consumers may need to provide their insurer’s NAIC number when filing complaints or claims.
Looking up an NAIC number is easy and can provide useful financial information about an insurance provider.
So while you may never use Travelers’ NAIC number yourself, the numbering system provides critical insurance oversight that benefits all policyholders. Keeping a record of your insurer’s NAIC number can help if you ever need to reference it down the road.
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