Workers compensation insurance coverage can help protect you, your business and your employees after a work-related injury or diseases.
For employees, workers compensation insurance provides medical care, benefits for lost wages and more. For employers, workers compensation insurance provides peace of mind by helping your business avoid expensive civil litigation and providing support to injured employees to help them recover and return to work. See how our claim process works.
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What is workers comp insurance? Your employees are your most valuable assets. But what happens if one of them is hurt-- say, lifting inventory-- or gets in a car accident while driving for work? Workers compensation insurance can help protect employees and you from the financial impacts of the injury. Also known as workers comp, it provides benefits to an employee for work-related injuries or illnesses. It helps cover employees' medical expenses and helps replace lost pay while they're out of work or if they become disabled for an extended time. Workers comp covers you, too. When an injured employee obtains workers comp benefits, they cannot sue you for damages. By paying those benefits to the injured employee, workers comp insurance protects you against potential lawsuits for those benefits. Workers comp is a separate coverage from your BOP, or Business Owners Policy. And nearly all states require businesses to have workers compensation insurance. Even if you're a sole proprietor with no employees, there are still good reasons to buy workers comp. If you were injured while working, it can help pay for your medical expenses and lost pay during your recovery. To get started with workers compensation coverage and other business insurance solutions, contact your Travelers independent agent or visit travelers.com.
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Copyright 2018 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.
Travelers offers workers compensation protection for many industries, including the manufacturing and public sector industries . More than 500,000 custom ers trust Travelers to take care of their most precious business resource – their employees.
We are a lead ing workers compensation insurance carrier. We bring a nationwide network of experts and local expertise to you. Our Underwriting, Claims, Risk Control and Premium Audit teams are on the ground in every major state ready to work for you.
Our industry-leading technology, actionable analytics and responsive teams can give you a strategic advantage. Our top priority is protecting your business and your people so injured employees can return to work as safely as possible.
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Text, Travelers, with a red umbrella at the end. Why Our Workers Compensation May Be the Better Choice for You
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SPEAKER: When it comes to workers compensation, our top priority is protecting your organization and your people so your injured employees can return to work as safely as possible. Our focus on industry-leading analytics along with our innovative outlook on treatment can help support your employees through their recovery while controlling related medical costs and protecting you from fraud.
As the nation's largest workers compensation insurer, we better understand your company's unique needs and risks. We can help keep your people safe so they can help keep your organization running.
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Travelers is an industry leader, the No. 1 writer of workers compensation insurance in the United States. Our experienced and collaborative teams strive to treat every customer, from the small business to the na tional multi-state business, as our most important customer. We help organizations facilitate safe work environments , lower claim costs, access care and help injured employees return to work.
We empower our customers with industry-leading technology, actionable analytics and responsive teams to keep employees safe and businesses healthy.
We support many industries and environments, from factor ies to office suites to clerks and construction workers.
Tailor coverage to address the risks to your business.
We are the nation's largest workers compensation carrier.
One of the ways Travelers has become the nation's largest workers compensation insurance carrier is by offering flexible solutions that can be customized for your unique business needs.
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Text, Travelers. Workers Compensation Flexible Solutions
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SPEAKER: The difference between a workers compensation policy that satisfies state requirements and a strategic plan that truly works for your business comes down to partnership. Travelers knows that being a good partner means adapting to how you want to run your business. One of the ways we've become the nation's largest workers compensation carrier is by offering flexible solutions that are better for you.
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Flexible Solutions
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Flexibility is about understanding your unique dynamics so we can better provide solutions to help keep your people safe and your business running.
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Consultation Flexibility
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Travelers can meet you where you are. Our risk control consultants can come to you or offer a virtual site visit. In either case, you get the benefit of technical specialists who can provide you with recommendations specific to your industry.
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Billing Flexibility
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How you pay is up to you. Choose installment options or pay as you go. With TravPay , workers compensation premiums can be automatically drawn every time your payroll is processed, giving you a better way to manage cash flow.
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Analytics Flexibility
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If your business faces high-risk scenarios, our e-CARMA analytic system can help you make better-informed decisions. e-CARMA was created with complex risk in mind. It's highly customizable to your business and makes accessing loss data faster and easier than ever before.
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Audit Flexibility
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With Travelers, even your premium audits come with options. Complete your workers comp audit in person or opt for a virtual audit with online educational support to help simplify the process. At Travelers, we won't stop developing flexible solutions that are better for how you want to run your business. For information on Travelers workers compensation's innovative resources, and responsive, reliable service, visit travelers.com.
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Travelers Casualty and Surety Company of America and its property casualty affiliates. One Tower Square, Hartford, CT 06183 This material does not amend, otherwise affect, the provisions of any insurance policy issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy provisions, and any applicable law.
Our responsive and reliable service allows you to focus on your organization's success rather than responding to something that's gone wrong.
More businesses choose Travelers for workers compensation insurance because our services are designed to be better for you , your business and your employees.
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Text, TRAVELERS. Workers Compensation, Responsive and Reliable Service.
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SPEAKER 1: Workers compensation may be a business requirement, but it can also be a strategic business asset. One reason why more businesses choose Travelers for workers comp coverage is our responsive and reliable services designed to be better for you and your employees.
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ADVANCED DATA ANALYTICS
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When there's an injury to one of your employees, Travelers offers a coordinated caring response to help the process run smoothly.
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RESPONSIVE SERVICE
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We provide strong support when your employees need it most. Travelers is the only workers comp carrier to offer a ConciergeCLAIM nurse program. These nurses are Travelers employees not outside vendors. They work directly with your injured employee face to face, in either English or Spanish. This patented program has proven to minimize recovery time, and reduce overall clean costs.
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Our TravCare Nurse Line partners can help triage an employee's injuries to determine the best course of treatment and align resources. Additionally, Travelers nurses will engage with your injured employees to assist them throughout their recovery process. Another key Travelers difference. Our specialized TravComp claim handling model separates claims into three units, investigative, critical claim, and return to work. Each unit is assigned a dedicated specialist to help get your injured employee back to work when medically appropriate . Responsive services like these lead to better outcomes for your organization.
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You can also count on advanced resources, like our Specialized Medical Audit Review Team, SMART, to help manage the total cost of workers compensation risk. These resources have helped to yield a $0.65savings for every medical dollar billed. You can also rely on the more than 250 professionals in the Travelers investigative services unit to help protect your business and your employees from becoming victims of medical fraud.
And finally, since Travelers has A+ + rating from A.M. Best, you can trust us to be a stable, financially secure force in the industry, just as we have been for more than 160 years. Rather than dealing with what's gone wrong, Travelers responsive and reliable services free you up to focus on your organization's success. And that's just better for your business. Give your company the strategic advantage of a workers compensation plan from Travelers. Learn more about our innovative resources and flexible solutions at Travelers.com.
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Innovative resources and flexible solutions
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Travelers Casualty and Surety Company of America and its property casualty affiliates. One Tower Square, Hartford, CT 06183 This material does not amend, otherwise affect, the provisions of any insurance policy issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy provisions, and any applicable law.
