Data Privacy & Cybersecurity: Cyber Product Offerings

In our 2025 Travelers Risk Index survey, cyber threats remain a leading concern for U.S. businesses of all sizes and across a range of industries. Now in its 12th year, the survey shows that despite heightened awareness, many organizations remain underprepared – signaling a growing need to strengthen cyber readiness.

Now more than ever, businesses and organizations of all sizes need to prepare with both cyber insurance and an effective cybersecurity plan to manage and mitigate cyber risk. Travelers understands the complexity of cyber threats and continues to proactively address cyber concerns. We provide policyholders with cyber protection – before, during and after a cyber breach or incident. 

The cost of dealing with a cyber event goes beyond repairing databases, strengthening security procedures or replacing lost laptops. Companies may face liability if their customers’ personally identifiable information or protected health information is compromised. Regulations requiring notification of affected customers also drive costs for companies that have experienced a data breach compromising personal or confidential data. There is also a cost involved with the efforts needed to defend the company’s reputation, as well as with the retention of skilled computer forensics teams to determine the extent of the breach. We have a number of different coverages available and work with our customers and our agent and broker partners to tailor the coverages to the specific risks our customers face.

Because we are committed to helping businesses manage and mitigate cyber risks, our cyber product offerings go beyond just insurance coverage. We offer our cyber liability policyholders Travelers Cyber Risk Services, which have a proven track record of safeguarding organizations from cyber threats. Our data indicates that policyholders who use Travelers Cyber Risk Services are almost 20% less likely to experience a cyber breach and see nearly 27% lower total claim costs per cyber breach.¹ These services include:

• Always-on threat monitoring and alerts. Tailored, same-day threat alerts that help stop attacks before they escalate.
• Expert guidance. Personalized, step-by-step recommendations from our in-house Cyber Risk Services team.
• 24/7 access to the Cyber Risk Dashboard. Access to resources and custom security recommendations.

Highlights of our cyber insurance program include the following:

• Travelers has been providing cyber-related insurance coverage for approximately 30 years and now offers Travelers Cyber Risk Services to help policyholders mitigate their cyber exposures.
• Travelers understands the importance of helping organizations work through an incident, from recovering after a breach to managing expenses associated with a cyber event.
• Our Chief Information Security Officer meets regularly with the Cyber Insurance team to engage in sharing and collaboration within the Travelers enterprise.
• In the most recent National Association of Insurance Commissioners Report on the Cybersecurity Insurance Market, Travelers was listed as one of the top three cybersecurity insurance carriers based on direct premiums written.²

Visit the Cyber Insurance section of our corporate website or the Innovation section of this report for more information on our cyber products and services.

¹ The frequency and severity of cyber insurance claims were found to be lower across all policyholder organizations that met a minimum threshold for engaging with the service offerings described above by registering their account on the Cyber Risk Dashboard.
² Report on the Cybersecurity Insurance Market, 2025.