Innovation: Innovative Products & Services

Connected Protection

• Our Connected Protection program helps our property customers reduce risk by introducing them to Internet of Things (IoT) solutions, such as smart devices, and a network of preferred suppliers who can provide them.
• The smart devices provide customers with real-time feedback and alerts through a smartphone or computer dashboard. The devices can address a range of risks, such as water leaks and broken manufacturing equipment, while the suppliers can offer potential discounts and smart device guidance.

Using AI to streamline submission and quoting processes

• Insurance quote requests often require significant manual effort to extract information from submitted documents before an underwriter can fully evaluate and price the risk. By organizing valuable unstructured data from submission documents, AI augments our underwriting capabilities, enhancing risk selection and increasing efficiency while also enabling agents and brokers to write more business more quickly.

Travelers’ third-party claims administration services

• Through its subsidiary Constitution State Services (CSS), Travelers has provided claim management services for more than 40 years. CSS acts as a third-party administrator for larger commercial customers for workers compensation claims, general liability claims, commercial auto claims and property claims.
• CSS provides a prompt, focused response to claims, working collaboratively with our clients to efficiently pay what is owed, manage expenses and provide excellent customer service. CSS is able to deliver superior results by leveraging its national scale and technical expertise.

BrokerTech Ventures

• We partner with BrokerTech Ventures – an entity that convenes broker-centric innovation, ideation, investment and communication – to identify new ways to collaborate on technology solutions for agents and brokers. BrokerTech Ventures, a Holmes Murphy accelerator, continues to provide Travelers with early access to startups focused on developing technology solutions for the insurance industry.

Risk Management Information Services (e-CARMA^®)

• Travelers Risk Management Information Services uses advanced technology to gather and analyze many elements that can have a significant impact on loss experience.
• For our larger Business Insurance customers with more sophisticated or complex operations, we offer e-CARMA, a comprehensive and customizable analysis tool that makes accessing loss information faster and easier so our customers can make timely and informed decisions to help keep their businesses running smoothly.

MyTravelers^® for Business

• In 2025, we continued to experience increased adoption of our digital business assets. MyTravelers for Business provides online, on-demand self-service capabilities for our customers so they can manage their business insurance accounts on their own schedules.
• Once logged in, customers can view their Travelers policies and billing accounts and access an extensive inventory of capabilities. These include reporting a claim or checking the status of a claim; obtaining copies of policy documents or certificates of insurance; accessing historical claim or loss run information; printing auto ID cards; and viewing limits and deductibles.

Global Companion^℠ Plus+

• Global Companion Plus+ is a product that builds on the company’s broad property and casualty offerings for U.S. firms with foreign exposures. Features of Global Companion Plus+ include:
  • Primary foreign voluntary workers compensation. Protects employees who are working outside their home countries.
  • Financial interest. Provides a separate $2 million limit for U.S.-based companies as an extra layer of protection when an eligible foreign subsidiary suffers a covered loss.
  • Global panel counsel service. Helps businesses in need of legal assistance abroad find reputable in-country representation experienced in local regulations and languages.
  • Emergency evacuation coverage. Offsets the cost of employees who must evacuate while abroad. This now includes coverage for natural disasters, political unrest and endemic disease.

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Expanded offerings on Travis^®

• Using the Travis platform, agents can cross-sell, quote and bind Business Owner’s Policy, General Liability, Property and Workers Compensation products in a few easy clicks. This enhanced digital connectivity and integration of products drives efficiencies for our distribution partners and provides value to our Small Commercial customers.

Certified data products

• We created a series of certified data products that leverage both Travelers and third-party data. These products are operationally integrated, mastered, standardized, curated and quality controlled.
• For example, our Certified Business database contains details on more than 90 million businesses, nonprofits and municipalities, providing a 360-degree view of each entity. Certified Business currently enables employees to share customer information across all lines of business – improving our ability to generate new business leads, cross-sell our products and make more informed business decisions during the sales and underwriting process.

Renewal Premium Compare Tool

• The Renewal Premium Compare Tool is a fast, convenient and easily accessible way for our customer-facing employees and agents to clearly understand why a customer’s premium has changed.
• This tool has created efficiencies to better equip our employees, agents and partners to meet our customers’ needs.

Better risk underwriting using aerial imagery

• We added our aerial imagery viewer to our agent portal. This advanced capability integrates high-resolution images of a home into our agents’ quoting process. This gives our partners a bird’s-eye view, helping them better understand their customers’ or prospects’ insurance needs and how they may have evolved.

Property underwriting utilizing AI summarization tools

• Travelers is leveraging AI to make our underwriting process more efficient. Our renewal underwriting platform uses generative AI to consolidate data into summaries of relevant information through application programming interfaces (APIs). It can analyze claim notes and summarize key details like loss history and repair status. Underwriters can also access our aerial imagery platform via a link in the underwriting platform.

Advanced auto pricing and usage of telematics

• In 2024, Travelers launched IntelliDrive^® 365, which is available in 14 states as of December 2025. Throughout the life of the policy, IntelliDrive 365 will evaluate certain driving behaviors, provide positive reinforcement for safer driving behaviors and offer tips on how to improve based on personalized driving data.
• IntelliDrive 365 rewards safer driving with savings, while riskier driving behaviors may result in higher premiums. Our latest telematics offering includes crash detection that can pinpoint the customer’s location and connect them with assistance if needed.

Project loss insurance

• As construction projects continue to reach new heights, so do the exposures faced by construction companies. Bigger projects mean greater bottom-line risk. One poor estimate or delinquent subcontractor could cause construction companies to face significant business impairment or worse – complete failure. Only Travelers offers this innovative product designed to help protect construction companies from a potential catastrophic loss.

SuretyBind

• In 2025, in partnership with other insurance carriers, Travelers launched SuretyBind, a groundbreaking technology company with plans to revolutionize the surety industry.
• SuretyBind will initially focus on two key areas:
  • Efficient data transmission. Developing a sophisticated technology platform where sureties, brokers and other industry participants can transfer information seamlessly, eliminating the need for repetitive data entry and enhancing efficiency and accuracy.
  • Streamlined bond processing. Designing capabilities to drive digital bond execution and streamline the bond issuance process for all parties, improving bond verification and reducing fraud.

Cyber risk management expertise and services

• When it comes to cybersecurity, the right insurance policy is essential, but that is only one part of what we have to offer. Through a dedicated team of cybersecurity professionals, partnerships with leading security firms and state-of-the-art vulnerability scanning, we are improving the risk management capabilities we bring to agents and customers. Travelers is continually expanding capabilities to provide its SmartCyber and CyberRisk policyholders with innovative pre- and post-breach risk management resources.
• Risk management services include:
  • A Cyber Risk Dashboard with 24/7 access to vulnerability scan findings, threat alerts and a self-guided security assessment available to most policyholders.
  • Access to a team of in-house cybersecurity experts to answer questions and provide
    guidance.
  • Sending an alert within hours with appropriate remediation steps when we detect a higher-risk vulnerability in a customer’s system.

Management Liability offerings via Travis^®

• Using the Travis platform, agents can cross-sell, quote and bind certain Management Liability coverages alongside the Business Owner’s Policy (BOP) in a few easy clicks. This enhanced digital connectivity and integration of products drives efficiencies for our distribution partners and provides value for our Small Commercial customers.

Travelers Click^®

• This modern and sophisticated online system leverages our data to help agents place smaller transactional bonds, such as notary and license and permit bonds, through a no-touch/low-touch process. With thousands of bond types available and new features continually being added to this robust underwriting engine, we help agents and brokers process bonds more easily.

Construction Services Underwriting Canvas

• Travelers Construction Services strives to help contractors succeed. Underwriting Canvas visualizes key data and financial trends to enable more efficient risk evaluation and decision-making. This new web application brings data from multiple sources into a set of side-by-side views and creates underwriter prompts about deteriorating performance and financial trends on an account, enabling quick underwriting action. In all, Underwriting Canvas makes it easier for underwriters to deliver a consultative experience that helps customers succeed.

Commercial Surety digital connectivity

• Travelers Commercial Surety recognizes that agencies with private label processing systems require streamlined efficiencies to handle high-volume transactions. Travelers Commercial Surety worked with key agencies to create an application programming interface (API) to help mitigate duplicate entry, improve data accuracy and streamline transaction processing time in our Commercial Surety Small Segment business.

Embedded insurance opportunities

• Travelers Personal Insurance provides embedded commerce solutions for insurance-adjacent brands where insurance is a secondary but necessary consideration.
• Customers of these digital brands can receive quotes either directly from Travelers or via various other carriers. They may also purchase an insurance policy through InsuraMatch, a Travelers-owned national insurance agency.

InsuraMatch

• InsuraMatch is a Travelers-owned national property casualty insurance agency that writes business for 50+ carriers across the United States. It provides its partners’ clients with an easy online comparison-shopping experience backed by a licensed staff of insurance advisors.
• In 2025, InsuraMatch and the Personal Insurance Direct Distribution’s National Telesales launched the Travelers Insurance Center to optimize production and customer experience while reducing acquisition expenses for direct-to-consumer business and affinity relationships. 
• InsuraMatch’s commercial Excess and Surplus Wholesale brokerage operation
  continued to scale nationally in 2025. As of year-end 2025, it actively writes business in 46 U.S. states plus the District of Columbia and serves approximately 2,400 Travelers Select retail agents.

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Simply Business^®

• Simply Business is a growing company, owned by Travelers and operated as a standalone business, which offers products online on behalf of a broad panel of carriers with a presence in the United Kingdom and the United States.
• Its proven business model enhances the insurance buying experience for microbusiness owners and aligns with Travelers’ efforts to simplify the small commercial insurance transaction.
• Simply Business has more than 1 million microbusiness and landlord customers, representing more than 1,000 classes of business.

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Zensurance^®

• Zensurance, our wholly owned subsidiary, is a Toronto-based digital provider of online insurance solutions for small businesses, offering business insurance online on behalf of a broad panel of carriers in Canada.
• Zensurance uses data and analytics to identify the most common risks that small businesses face and designs insurance packages that are best suited for their respective industries.
• Zensurance is a natural fit with our Simply Business team, further adding to our digital capabilities and medium-term strategic positioning to serve small businesses and microbusinesses.

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Workers Compensation summarization assistant

• This assistant uses AI to provide near-instantaneous synopses of claim file notes, allowing our professionals to focus more on critical thinking and personal interactions with customers and injured employees, and less on administrative tasks.

Claim Knowledge Virtual Assistant

• This generative AI-based conversational assistant answers Claim employees’ questions in a conversational format, based on information stored in the Claim department’s extensive internal knowledge base. While Claim professionals remain responsible for their decisions, this innovative capability can save time currently spent searching for information.

AI-assisted property first notice of loss

• When customers report a property loss to Travelers, this AI-driven tool provides the option to engage via a chat-like experience that captures loss details and asks questions based on the details of the loss. In many cases, this self-paced process allows customers to file a claim without the need for direct assistance from a representative.

MyTravelers^® Repair Network for Auto

• We expedite the processing of auto damage claims through predictive models that quickly categorize types of vehicle damage and assist in the damage assessment process. Depending on the details of the loss, we may offer our customers an efficient one-stop repair solution through partnerships with trusted repair shops.

Catastrophe event analytics

• We continually leverage data, analytics and AI to track storms, policies in force and pre-storm damage to understand the impact of a catastrophe event and proactively deploy resources to help our customers restore what matters most to them.

QuantumSubro^®

• QuantumSubro utilizes the scale and expertise of Travelers’ subrogation capabilities to provide a cost-effective recovery solution for carriers or entities impacted by auto, commercial trucking, cargo, property, catastrophe and wildfire losses.

Advanced analytics in fraud detection

• Our advanced detection and investigative capabilities help protect our customers from the hidden costs of fraudulent activity, helping to ensure that claims are handled fairly and premiums remain more stable.
• Travelers takes a unique approach to fraud detection by combining advanced analytics with specialized human expertise. While many insurers have invested in either technology or investigative staff, Travelers has developed a seamless integration of both. Our advanced AI systems work alongside our investigators to create a multilayered defense that can identify both individual opportunistic fraud and sophisticated organized schemes. This comprehensive approach allows us to protect the entire insurance life cycle from policy inception through claim resolution, resulting in faster legitimate claim resolutions and more effective fraud prevention.

Drones in property inspection

• Widespread use of drones in property damage inspections enhances customer experience and increases employee safety.
• We have conducted approximately 280,000 drone flights for property claims in 48 states and Canada since the inception of the program, with more than 700 certified pilots as of year-end 2025.
• Travelers was one of the first insurers to develop a drone training program and assisted with developing FAA regulations for commercial use of unmanned aircraft systems.

Preferred contractor network

• Our preferred contractor network for home repairs helps connect homeowners with qualified contractors quickly and easily.

Mental health app

• In Workers Compensation, we offer new tools focused on the biopsychosocial wellness of the injured employee, including the Wysa for Return to Work app designed to support the mental health of injured employees through the recovery journey.

Travelers SaveMyRide℠

• Travelers SaveMyRide, developed during Travelers’ InJam, offers our customers free parking at a safer location to protect their vehicles from an impending hurricane or tropical storm.
• When this program is available, customers can reserve a parking spot for their vehicle and request a rideshare service to a safe location at no additional cost. This program puts our customers more at ease knowing their vehicle is in a safer location during a large weather event, while saving the company money in loss costs.

Virtual inspection tools

• We partner with vendors to offer virtual tools that help customers share information with us about their homes or vehicles to streamline the damage inspection process. With our virtual inspection tools, we can quickly assess coverage and damages and often resolve a property or auto claim in hours.

Claim helper

• This tool helps unrepresented General Liability claimants understand how to value their claims, creating a better, more efficient experience for all parties.

Construction vibration app

• When construction work is occurring, the impacts may be felt beyond the worksite. The online tool ZoneCheck^® helps construction companies understand how site activities can impact ground vibration and identify related risks to nearby structures.

Forensics and Digital Forensics Laboratory

• We have a Forensics Laboratory staffed by a team of scientists and engineers with backgrounds in chemistry, materials science, construction, oil and gas, fire protection and investigation, electrical and mechanical engineering, and accident reconstruction. These broad capabilities leverage analytical rigor to identify how losses occur and who or what is responsible.
• Our Digital Forensics Laboratory, staffed by specialists, enables Travelers to ingest, preserve and analyze digital data from any source, including the web, social media and smart devices. This capability considerably advances forensic investigations and contributes to our understanding of how losses occur and ability to detect fraud.

Industrial Hygiene Laboratory

• Our Industrial Hygiene Laboratory, located within our Claim University campus in Connecticut, provides specialized services to our business customers to help them assess employee exposures to potentially harmful environments and work toward the prevention of occupational illnesses.
• The laboratory is equipped with state-of-the-art analytical instrumentation, sampling equipment and methods for analyzing more than 600 chemicals and a dedicated staff of certified industrial hygienists, chemists and technicians. For more information regarding our Industrial Hygiene Laboratory, visit the Safety & Health section.

Ergonomics specialist expertise and technology

• The combination of Travelers’ ergonomics expertise and video capabilities enhanced by AI allows us to help customers understand risk factors and areas of impact and implement changes that can measurably reduce the risk of soft tissue injuries and musculoskeletal disorders.
• This virtual safety consulting capability enables customers to access our network of safety specialists in real time. Customers can upload digital media and collaborate with Travelers specialists to evaluate injury risk factors and design and implement safety improvements.
• Using digital video and screen-sharing technology, ergonomics specialists collaborate with our customers, including through the use of our AI-Assisted Ergonomic Assessment, to identify job hazards and design improvements to help reduce the risk of developing musculoskeletal disorders.

Personalized risk control advice

• We help customers protect their businesses and employees through one-on-one consultations with Risk Control professionals and personalized web-based systems to get them the right resource at the right time.

Risk Control On-Demand^®

• Risk Control On-Demand capabilities allow us to virtually interact with our customers to help them understand and manage exposures to loss and collaborate with their management teams across multiple locations.
• We develop consultative reports to provide actionable solutions that can help our customers reduce risk.

Fire Protection Impairment Tool

• Available on Travelers.com, this tool is designed to help customers record and communicate with Travelers when a sprinkler system, fire pump, special extinguishing system or other fire protection system component is out of service.
• Customers can consult with a fire protection specialist to help return a system back to service in a timely manner, helping to protect their business and employees.

Helping contractors manage the cost of risk

• Travelers has an exclusive agreement with Procore, a leading provider of construction management software, to help contractors manage the total cost of risk through improved operations and jobsite safety.
• Procore’s construction platform connects entire project teams, from the office to the field and across companies. This provides key stakeholders – owners, general contractors, specialty contractors, architects and engineers – with the ability to collaborate across locations and devices.
• Procore’s platform can help contractors avoid many costly losses and delays through effective risk management and cross-team collaboration.

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Pump Loan Plus^®

• Our Pump Loan Plus program is an instrument loan service combined with a virtual consulting program to help customers assess their occupational health exposures. The program also includes options to use remote sensing technologies for indoor air quality.
• Travelers loans customers the necessary equipment to complete various sampling. Customers conduct sampling and send the data and samples back for analysis. Risk Control staff provides technical assistance under the direction of a Certified Industrial Hygienist.
• Following analysis by the Travelers Industrial Hygiene Laboratory, the customer receives a letter of interpretation from our consultants to assist in risk mitigation.
• This flexible approach promotes self-sufficiency for customers to better understand occupational exposures in a timely and cost-effective manner.

Road Warriors

• The Road Warriors platform enables Risk Control leaders and consultants to bring information from multiple systems into a single, streamlined dashboard by centralizing data and workflows.
• Road Warriors is driving improvements in productivity, efficiency and professional development through coordinating multisite surveys, optimizing remote travel, creating opportunities for skill-building and transforming the way our consultants manage their work.

Risk Control Compass

• Risk Control Compass uses advanced generative AI technology to let users search hundreds of guidelines using plain English questions or keywords. This provides faster access to all relevant internal resources and helps accelerate decision-making throughout the assessment process.

Right Touch

• Right Touch is an engagement strategy used by our Underwriting and Risk Control groups that leverages data, technology and our collective field experience to effectively identify changes at an account or location that may increase exposure to a loss.
• The Right Touch tool analyzes data related to changes in exposure, changes in claim trends, observations and recommendations to help prioritize on-site surveys or follow-up consultations.
• The Right Touch analytics and conclusions are expected to guide faster, more consistent decisions regarding whether and when to engage Risk Control and to enable us to provide customers with the right products at a competitive price.