Safety & Health

As an employer, we’re committed to the safety, health and well-being of our 30,000 employees — our most valuable asset. And as an insurer we are in the business of improving the safety, health and well-being of our customers and our communities, such as by helping to reduce distracted driving and working with our business customers to prevent and minimize the severity of workplace injuries.

APPROACH
 
 
Approach

At Travelers, our success relies on the safety, health and well-being of our employees. Our workers compensation customers also trust us to take care of their most precious resource — their employees. This combined responsibility makes safety and health both a key driver of our sustained value creation and an opportunity to positively impact the public welfare more broadly.

We offer comprehensive benefit programs to help our employees be healthy and productive in all aspects of their lives — taking control of their health, saving for their future and finding balance in their lives. More information on these benefits is available in our Human Capital Management section. We also have safety policies and provide targeted training for our employees who drive regularly for work or visit hazardous environments, such as construction sites or disaster areas. Our recent investments in drones also help keep our employees safe by reducing the need for them to engage in potentially hazardous activities, such as climbing roofs.

In addition, as a leading workers compensation carrier, we share our risk control, claim and medical expertise with our customers and agent and broker partners. Our goal is to help our customers maximize employee wellness, ensure workplace safety and, when work-related injuries do occur, enable injured employees to return to work as soon as medically appropriate. Our Underwriting and Risk Control departments ensure that we effectively navigate the workers compensation environment and provide information to customers to help promote a safe workplace and identify and mitigate hazards. When claims do happen, we leverage our network of Claim and medical professionals to quickly deliver appropriate resources to help the injured employee achieve optimal claim and medical outcomes.

Our team of 600+ Risk Control professionals helps our commercial customers understand exposures to loss and prevent accidents through our services relating to employee safety, ergonomics, industrial hygiene, driving safety and property preservation, among others. We conduct more than 120,000 customer consultations per year through on-site surveys, on-demand risk assessments, trainings and online/self-help resources. With one of the largest Risk Control departments in the industry, we have the scale to provide our customers with the right resource at the right time. For over 110 years, our loss prevention professionals have assisted agents, brokers and customers across the country and around the world. To see our expertise in action, visit our Risk Management Success Story videos.

We believe the insurance industry must also play an active role in promoting safety in our communities. That’s why we provide extensive safety resources to customers and the public through the Prepare & Prevent page of our website, which we amplify with outreach through traditional and social media strategies. In addition, the Travelers Institute®, the public policy division of Travelers, promotes safe behaviors; for example, in 2017, the Travelers Institute launched the Every Second MattersSM education campaign to help combat distracted driving.

INDUSTRIAL
HYGIENE
LABORATORY
Industrial Hygiene Laboratory

Our Industrial Hygiene (IH) Laboratory provides specialized services to our commercial customers to assess employee exposures and help prevent occupational illnesses. Our laboratory has been nationally accredited by the American Industrial Hygiene Association (AIHA) since 1976. With state-of-the-art analytical instrumentation, sampling equipment and methods for analyzing more than 500 chemicals and a staff of more than 60 certified industrial hygienists, trained chemists and technicians, we offer our customers a wide array of sampling and analysis protocols based on Occupational Safety and Health Administration (OSHA) and National Institute of Occupational Safety and Health (NIOSH) methodologies.

The IH Lab provides critical data to our customers, underwriters and workers compensation specialists to help make informed decisions that keep employees safe and produce long-term value. The Industrial Hygiene Laboratory performs more than 50,000 analyses on approximately 34,000 samples annually for respirable dust and chemical exposures, helping customers identify workplace exposures and better protect their employees.

ERGONOMICS
CONSULTING
SERVICES
Ergonomics Consulting Services

Our ergonomics specialists focus on helping customers identify and reduce ergonomic risk factors in the workplace. Ergonomic risk factors are prevalent in many industries and can result in musculoskeletal disorders (MSDs) that affect employee health and well-being. Our staff of dedicated certified ergonomists has specialized knowledge and experience working with businesses in the manufacturing, logistics, financial services, healthcare and service industries. Our core consulting services include:

  • Ergonomic assessments to identify the “vital few” tasks with the highest potential for reducing employee injuries;
  • Ergonomic Job Improvement Process (EJIP), our four-phase process to help customers self-identify and address key ergonomic issues using a team approach; and
  • Ergonomic task force development assistance to train teams on ergonomic basics and help solve ergonomic issues through employee involvement.
TRANSPORTATION
SAFETY
Transportation Safety

The Travelers Risk Control Transportation specialists provide effective fleet risk management solutions to businesses with commercial auto fleets — from passenger vehicles to tractor-trailers. Our specialists conduct on-site visits and meet with managers who are responsible for vehicle safety to help them minimize risk exposures.

Our specialists have experience in “for-hire” trucking fleets, as well as private auto fleets. They can evaluate the fleet operation and exposures to help customers determine which controls to implement. After conducting the fleet assessment, the controls are compared to industry best practices. With this information, our specialists propose recommendations to help customers build or modify a vehicle safety program designed to prevent transportation-related accidents and reduce costs.

Our consultants work to develop what we refer to as a “total fleet safety approach,” which sets the foundation for effectively controlling loss exposures in fleet operations of any size. Our comprehensive approach addresses the key components of a successful vehicle safety program, including selecting and training the best drivers, setting safe operation parameters and operating well-maintained equipment.

FIRE & LIFE
SAFETY
Fire & Life Safety

Travelers Risk Control Fire Protection specialists have broad experience in many industries, including manufacturing involving metal, wood, plastic, paper and textiles, plus wholesale and retail business, educational organizations and various service organizations. Working closely with our customers, our fire protection specialists and consultants allow us to identify and evaluate fire hazards and assess facilities and operations relative to property protection and business continuity. On average, we conduct over 26,000 on-site property assessments each year. In addition to on-site assessments, we offer our customers a range of services, including customized consulting, employee training programs, review and evaluation of fire protection equipment and fire protection specifications, and plan reviews for new construction.

Our specialists have deep expertise in the fire and life safety standards of the National Fire Protection Association (NFPA). They maintain memberships with various NFPA standard committees, the UL Fire Council, and the Insurance Institute for Business & Home Safety (IBHS), and they are active in the nonprofit Property Insurance Research Group, which is part of the Fire Protection Research Foundation.

PREVENTING CHRONIC
PAIN & POTENTIAL
OPIOID USE
Preventing Chronic Pain & Potential Opioid Use

The costs associated with chronic pain and opioid addiction are taking an increasing financial toll on businesses and the U.S. economy. Medical expenditures associated with pain care and economic costs related to disability days, lost wages and productivity cost an estimated $560 billion to $635 billion each year,1 which is driving up workers compensation loss costs. In 2019, an estimated 67% of workers compensation loss costs will be associated with medical care, including the management of chronic pain.2

By analyzing claim data, Travelers created the Early Severity Predictor® model that uses data and analytics to help predict which injured employees are the most at risk for chronic pain. By adjusting medical care and resources, the Early Severity Predictor model can help address potential drivers of chronic pain, a condition that is largely treated with the use of opioids or other painkillers — reducing the risk of opioid addiction.

This program continues to produce results that not only help drive our bottom line results but also save lives and families. Since its inception in 2015, our Early Severity Predictor model has benefitted nearly 50,000 injured employees. We estimate that this has resulted in loss costs savings of more than $150 million due to a substantial reduction in surgeries performed and opioids prescribed, and a more rapid return-to-work by impacted employees. Today, we apply this model to 100% of the workers compensation lost time claims that we receive. This program is a great example of the shared value we create by delivering on our promise.

1Institute of Medicine Report. Pain is a significant public health problem that costs society at least $560 billion to $635 billion annually, an amount equal to about $2,000 for everyone living in the United States. This includes the total incremental cost of health care due to pain ranging between $261 billion and $300 billion, and between $297 billion and $336 billion due to lost productivity based on days of work missed, hours of work lost and lower wages.
263% of workers compensation loss costs today are from medical and are projected to increase to 67% in the future. (63%) 2016 Travelers Workers Compensation Claim Data; (67%) Insurance Information Institute.
SAFETY
AWARENESS
& CULTURE

SAFETY AWARENESS & CULTURE
Travelers Workforce Advantage®
Travelers Workforce Advantage is our comprehensive approach to helping our commercial customers manage employee safety. Given our broad and deep expertise in understanding risk, we are well positioned to help our customers understand and identify their key exposures and assist them in developing risk mitigation strategies so they can better protect their employees and their businesses. We do this through Travelers Workforce Advantage, which contains three main components: attracting and hiring candidates, onboarding and training, and supporting and engaging employees.
 
Click on each of these components in the graphic to learn more.

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