Travelers: Business Insurance Expertise Since 1864
Why we partner with The Travelers Companies, Inc.: unmatched risk expertise and tailored commercial coverage for mid-to-large businesses who value financial strength and comprehensive claims support. Available through FoCoIns with expert guidance and claims advocacy.
Claims Information
24/7 Claims Hotline: 1-800-252-4633
Online Claims: https://www.travelers.com/claims
Mobile App: Travelers Mobile App (Claims reporting enabled)
160+ Years in Business
Established 1864 - Pioneer in accident insurance and complex risk solutions
Millions of Customers Served
Fortune 1000 company with strong presence in commercial lines and affluent households
Colorado and Utah Coverage
Focused regional service for property and casualty insurers, with extensive agent networks
Industry Recognition
J.D. Power #1 Auto Claims Satisfaction (2023), AM Best "Best in Class" Cyber Solutions
What Makes The Travelers Companies, Inc. Stand Out
Why we recommend The Travelers Companies, Inc. for tailored commercial and personal insurance needs.
Robust Risk Expertise and Customization
What it means for you: Access to highly customized policies for complex risks like cyber liability, aviation, and environmental hazards that precisely fit your business needs.
Real example: A mid-sized manufacturer leveraged Travelers' manuscript policies and cyber breach response to effectively manage their risk during a ransomware attack.
Best fit for: Businesses with specialized insurance needs and complex risk profiles.
Strong Agent and Broker Support
What it means for you: Dedicated agent platforms and comprehensive training ensure you receive expert advice and support tailored to your unique situation.
Real example: An independent agent used Travelers Edge platform insights to bundle policies which resulted in cost savings and optimized coverage for a professional services firm.
Best fit for: Customers who value personalized agent relationships and curated policy portfolios.
Superior Financial Strength
What it means for you: Confidence knowing your insurer has a stable financial foundation backed by A++ AM Best ratings and strong reinsurance partnerships.
Real example: During a natural disaster affecting commercial properties, Travelers’ financial solidity enabled rapid claim payments without liquidity concerns.
Best fit for: Businesses and homeowners who prioritize financial stability in selecting an insurer.
Investment in Digital Tools and Innovation
What it means for you: Access to digital platforms for policy management and telematics-based programs that reward safe driving, enhancing your service experience.
Real example: A driver enrolled in IntelliDrive received auto premium discounts directly through usage-based analytics delivered via Travelers’ app.
Best fit for: Tech-savvy customers seeking digital convenience coupled with expert human advisory.
The Travelers Companies, Inc. Coverage Specialties
- Cyber Liability: Advanced breach response partnerships with monitoring and remediation services.
- Worker’s Compensation: Tailored programs offering responsive care and risk management to reduce workplace injuries.
- Aviation and Cargo Insurance: Specialized manuscript and parametric policies for unique transport risks.
- Environmental and Pollution Coverage: Updated policies addressing ESG risks meeting emerging regulatory demands.
- High-Value Property: Coverage options for art collections, luxury homes, and niche personal assets.
Filing Claims with The Travelers Companies, Inc.
24/7 Claims Hotline: 1-800-252-4633
Online Claims: https://www.travelers.com/claims
Mobile App: Travelers Mobile App (Claims reporting enabled)
Step 1: Report Your Claim
- When to call: Immediately or within 24 hours of incident
- What you'll need: Policy number, incident details, photos or documents if available
- Phone: 1-800-252-4633
- Online: Submit via Travelers website claims portal or mobile app
Step 2: Initial Assessment
- What happens: Claims adjuster assigned, initial coverage determination made
- Timeline: Adjuster contact within 24 hours for commercial, up to 48 hours for personal claims
- Your role: Provide requested documentation and cooperate with adjuster
Step 3: Investigation & Evaluation
- Adjuster assignment: Assigned based on claim complexity with specialized teams for commercial risks
- Documentation: Incident reports, proof of loss, receipts, repair estimates
- Inspection process: On-site inspections scheduled as needed; use of preferred vendors encouraged
Step 4: Settlement & Resolution
- Payment process: Direct payment or reimbursement after claim approval
- Repair coordination: Assistance with preferred contractors and ongoing communication
- Timeline: Settlements typically completed within 30 days for straightforward claims; longer for complex commercial cases
Customer Service Options
General Customer Service
- Phone: 1-866-336-2077 (Hours: Mon-Fri 8am-8pm ET)
- Online Account: Travelers Account Portal
- Mobile App: Travelers Mobile App
Policy Changes
- Contact your appointed agent or call customer service for personal and commercial policy updates
Billing Questions
- Handled through the Travelers Account Portal or via customer service phone support
Technical Support
- App and portal support available via customer service at 1-866-336-2077
Claim Filing Tips for The Travelers Companies, Inc.
Before You File
- Gather detailed documentation and photos immediately after the incident.
- Review your specific policy coverage to understand claim scope.
- Report claims promptly via app or hotline to start the evaluation quickly.
During the Process
- Maintain open communication with your adjuster and provide documents expediently.
- Keep a detailed log of conversations and claim progress updates.
- Be patient with complex commercial evaluations, which require thorough investigation.
After Settlement
- Discuss with your agent any coverage adjustments based on your claim experience.
- Consider proactive risk management programs offered by Travelers to mitigate future losses.
The Travelers Companies, Inc. Digital Tools & Apps
Online Account Portal
- View and download current and past policy documents
- Make payments and manage billing preferences securely
- Request policy changes and track claims status in real-time
Travelers Mobile App Features
- On-demand access to policy documents and ID cards for instant proof of insurance
- Mobile claims reporting with photo uploads for faster initial filing
- Policy change requests and billing management directly from your device
- Telematics program participation (IntelliDrive) with personalized safe driving feedback
Download: Available on iOS and Android
The Travelers Companies, Inc. Payment Options
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Available Payment Methods
- Automatic Payment: Bank account or credit card options available with possible discounts
- Online Payment: Secure payments through Travelers Account Portal with no fees
- Phone Payment: Call 1-866-336-2077 for phone payments; no additional fees
- Mail Payment: Send checks to address on billing statement; allow 7-10 business days for processing
- In-Person: Payments accepted via authorized agents and local offices
Payment Schedules
- Monthly: Available; may include installment fees depending on state
- Quarterly: Common option; no known discounts
- Semi-Annual: Discount may be available - inquire with agent
- Annual: Typically provides best discount; ask your agent for details
Auto Insurance Discounts
- IntelliDrive Safe Driving Discount: Usage-based program rewarding safe driving - Save up to 15%
- Multi-Car Discount: Insure two or more vehicles - Save up to 10%
- Good Student Discount: Drivers under 25 with qualifying grades - Save up to 15%
Home Insurance Discounts
- Multi-Policy Bundling: Combine home and auto policies - Save up to 12%
- Home Security Systems: Verified alarm or monitoring systems installed - Save up to 10%
Multi-Policy Discounts
- Bundled Commercial Lines: Package multiple business policies - Save 8-12%
Is The Travelers Companies, Inc. Right for You?
The Travelers Companies, Inc. Works Best For:
Mid-Sized to Large Enterprises
- Require comprehensive, customized commercial insurance solutions
- Value strong financial backing and thorough claims handling
- Benefit from bundled policies and risk management programs
High-Net-Worth Individuals
- Need specialized protection for luxury assets and properties
- Appreciate policy customization and premium service levels
- Seek identity theft and cyber breach monitoring as value adds
Tech-Savvy Commercial Customers
- Interested in telematics innovations and digital policy management
- Prefer a blend of digital convenience with expert advisory support
- Require cyber liability coverage with advanced breach response
Consider Other Options If:
- You prioritize ultra-fast digital claims processing over human adjuster involvement
- Your business is a small startup focused solely on basic, low-cost coverage
- You seek a carrier with a nationwide personal lines agent network for local presence
Our job is finding the right fit for your specific needs. If The Travelers Companies, Inc. isn't ideal for your situation, we'll help you find who is.
The FoCoIns Advantage with The Travelers Companies, Inc.
Why Choose The Travelers Companies, Inc. Through FoCoIns
Expert Guidance
FoCoIns agents bring deep knowledge of Travelers' specialized products to match you with precise coverage that fits your unique risks.
Claims Advocacy
We advocate alongside you during claims to help navigate Travelers’ thorough process and expedite resolution.
Ongoing Review
Regular policy reviews ensure your coverage evolves with your business needs and market innovations.
Local Support
FoCoIns provides community-based, personalized service that complements Travelers’ extensive agent network.
Why Choose The Travelers Companies, Inc. Through FoCoIns
Expert Guidance
FoCoIns agents bring deep knowledge of Travelers' specialized products to match you with precise coverage that fits your unique risks.
Claims Advocacy
We advocate alongside you during claims to help navigate Travelers’ thorough process and expedite resolution.
Ongoing Review
Regular policy reviews ensure your coverage evolves with your business needs and market innovations.
Local Support
FoCoIns provides community-based, personalized service that complements Travelers’ extensive agent network.
The Travelers Companies, Inc. vs. The Market
Stronger in: Complex commercial risk customization and financial strength
- Leading position in cyber liability and niche commercial lines
- Superior financial ratings ensuring claims payment reliability
Competitive in: Broad property and casualty offerings with solid agent support
- Standard digital platform features and multi-channel distribution
- Competitive discounts and bundled policy options
Consider alternatives for: Faster digital claims settlement or purely personal lines focus
- Tech-first insurtechs with instant claims decisions
- Personal lines carriers focused on local, community agent relations