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Unbundled risk transfer

Travelers tailored, well-structured captive and individual risk solutions offer an innovative approach to problem solving and flexibility in design. We focus on forging long-term relationships and a team concept with customers with a goal of lowering their total cost of risk. Our lines of business are workers compensation, general/product liability and automobile liability. For group and association captive customers, we can also offer property coverage.

Travelers' unbundled individual risk transfer products offer insurance for customers that take risk in the primary layer through loss responsive programs such as retrospectively-rated plans, deductibles or self-insured retentions.

Our unbundled captive unit provides fronting policies for group or association captive programs. Chief benefits for captive users include control over insurance programs, flexibility in design of programs, and long-term stability and financial participation by program members.

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