COVID-19

A: Yes, it's possible that your Travelers bills and payments could be delayed as the United States Postal Service is currently experiencing unprecedented volume increases and limited employee availability due to COVID-19. To ensure payments are received on time, rather than mailing a check, visit Travelers.com/AutoPay to make a one-time payment or sign up for automatic payments.

A: We had suspended cancellation and nonrenewal of coverage due to nonpayment from March 26-June 15, 2020. During that time, we did not charge interest, late fees or penalties, providing policyholders extra time to pay their premiums without risking cancellation. 

Please click here to view state-specific mandatory billing relief notices.

A: We continue to work with our customers on an individual basis. If you need additional assistance, please contact a Travelers billing representative who will be happy to answer any questions you may have.

• For U.S. Personal Insurance, visit MyTravelers.com or call 1.800.842.5075.
• For U.S. Business Insurance and Bond & Specialty Insurance, call 1.800.252.2268.

A: If you recently received a cancellation notice for nonpayment, the temporary billing relief plan that applies in your state has ended and you must make the minimum payment by the due date to avoid cancellation. If you need additional assistance, please contact a Travelers billing representative to discuss your specific circumstance.

• For U.S. Personal Insurance, visit MyTravelers.com or call 1.800.842.5075.
• For U.S. Business Insurance and Bond & Specialty Insurance, call 1.800.252.2268.

Please click here to view state-specific mandatory billing relief notices.

A: You can file your claim online or by calling 1.800.252.4633. Visit our Claim Center to check your claim status, upload documents or find additional resources.

A: We have adjusted the claim inspection process to rely more heavily on our state-of-the-art digital and virtual tools, and we are taking extra precautions if an in-person inspection is needed.

We have a number of virtual inspection options available and will work with you to choose the one that is most appropriate based on the type of damage and the individual situation. These tools and methods allow our Claim professionals to effectively “see” damage without physically being on-site. Our virtual options include real-time video chat and apps that guide you through the process. 

Please click here for more information.

A: We’re working with business customers and their agents and brokers to address specific needs based on underwriting and state regulatory requirements, including:

• Providing premium credits for commercial auto policyholders whose vehicles have been taken off the road.
• Adjusting exposures for general liability and workers compensation policies, taking into account reduced payroll, sales and receipts.

A: To discuss your workers compensation coverage, please contact your agent, your broker or a Travelers representative. If an employee has possibly been exposed to COVID-19, the employee should follow the recommendations of the Centers for Disease Control and Prevention (CDC). 

A: Yes. We are providing telemedicine options for injured employees through workers compensation, including a temporary telerehabilitation program for those who are concerned about attending or unable to attend physical therapy visits in person. To take advantage of this program, contact your Travelers Claim or Medical Professional.

In addition, injured workers can call 1.800.238.6225 to report a new workers compensation claim. If eligible, an injured employee may be referred to telemedicine for an initial virtual visit with a physician.

A: We recommend reviewing your policies and speaking with your agent or broker to assess your current coverage. Some areas to consider include cyber liability, commercial auto, management & professional liability and workers compensation.

In addition, we recommend sharing with your employees best practices for working remotely, including tips related to home office ergonomics, to make them aware of potential risks of working from home.

A: We recognize that completing your premium audit may be more challenging as a result of this situation, so we have adapted our process to make it convenient and safer during this time. Where possible, we will be conducting premium audits virtually. You will now be able to leverage our secure portal and speak with an auditor over the phone during your appointment.

Please click here for more information.

A: Applying to employers with fewer than 500 employees, the Act amends the Family and Medical Leave Act to allow an employee who is unable to work to take leave to care for a son or daughter if the child’s elementary or secondary school or place of care has been closed due to a “public health emergency.” The Act also adds a paid sick leave obligation: employers must make available 80 hours of paid sick leave for full-time employees if certain conditions are met.

A: Auto insurance is required in most states, and many states have specific regulations when removing or reducing coverage from a vehicle. You also want to be sure you are covered for the times you may be driving (e.g., going to the grocery store or medical appointments). Contact your independent agent, broker or a Travelers representative if you are considering any changes to your policy.

A: Because every situation is different, specific policy questions on premiums, mileage, discounts, deductibles, etc., should be handled individually. We recommend that customers get in touch with their independent agent or a Travelers representative to discuss the circumstances.

A: Given the day-to-day changing of circumstances, we do not recommend removing the “away at school” discount at this time. 

And if your child is now home and using the family vehicle but not listed as a driver on your policy, please contact your independent agent or a Travelers representative to review your individual situation.

A: Working from home for a temporary time period should not require a change to your homeowners insurance. If you are running a business from your home, we recommend you call your agent or a Travelers representative. 

A: Yes. In March, we had paused all on-site inspections, but since that time, we have resumed both interior and exterior inspections in all states except Florida. Our team follows all social distancing and protective equipment guidelines.

For exterior inspections:

• The inspector will call the customer from their vehicle upon arrival.
• If the inspector cannot reach the customer, they will knock on the door and maintain social distancing guidelines.
• If the inspector is unable to speak with the customer, they will proceed with the exterior-only inspection.

For interior inspections:

• The inspector will call the customer to arrange an appointment and will ask if the customer is a comfortable with someone coming into their home.
• If the customer is comfortable, the inspector will ask if anyone inside the home has a fever or COVID-19 symptoms. If the response is no, then the inspector will schedule the inspection. These questions will be confirmed again on the day of the inspection.
• If the customer is uncomfortable having the inspection, they can opt to postpone.

A: As of right now, yes. However, it’s a fluid situation with the pandemic, and we continue to evaluate future inspection options.

A: No. Travelers will not decline, cancel or non-renew a policy solely due to the refusal of an inspection during the COVID-19 pandemic.

A: We are offering new Special Event insurance policies with limits ranging from $7,500-$100,000. Limits vary by state.

A: We will evaluate each claim on its own merits, the facts presented, all applicable policy provisions and any applicable laws. To file a claim, please reach out to our claims department at 1.800.238.6225.