Travelers Client Advantage^®

Travelers Client Advantage provides customized protection for all customers based on exposures they may face every day.

Our industry expertise along with a deep understanding of the needs of mid-sized businesses, ensures we deliver a service plan that is designed specifically for them. Customers benefit from:

• Valuable service offerings that increase ease of doing business
• Tailored solutions for unique exposures
• Cost savings associated with complimentary, value-added services
• Informed decision making about business operations based on analysis of exposures, losses, and trends
• Minimized business disruption due to timely, accurate claim resolution

General Liability

• Specialists who know specific industries and their exposures help improve GL claim outcomes
• Dedicated teams handle low exposure claims resulting in 60% closing without pay and 95% staying closed
• 24 claim centers across the country - you get a Travelers professional, not a third party
• Medical, engineering, legal, and fraud detection resources help control loss costs and reduce insurance costs
• Prompt and fair payments bring claims to the earliest possible resolution, resulting in fewer lawsuits

Property

• Dedicated property adjusters across the country ensure expertise from a Travelers professional, not a third party
• Industry-leading catastrophe response model can put customers back in business as soon as possible
• Experienced and highly-skilled professionals in our major case unit handle the most severe and sensitive claims

Workers Compensation

• Highly specialized TravComp^® model applies dedicated resources to each phase of the claim, to manage return to work and future cost of risk
  • Claim professionals and dedicated nurses work closely throughout process
    • Experts at determining compensability, the single most important decision in the life of the claim — sustained denial rate of 18% (vs. 10% for the industry)¹
    • "Sports medicine" approach gets employees "back in the game" - 67% return within 30 days¹
• Comprehensive strategy to manage medical payout
  • Specialized Medical Audit Review team identifies medical bill savings
  • Pharmacy management strategy monitors drug interactions, excessive dosing and abuse patterns resulting in a 44% savings¹

Auto

• Real-time dispatch technology from our 24 auto claim centers facilitates a physical inspection of over 90% of damaged vehicles (most within 48 hours)
• Early resolution and direct settlement strategies in place to settle severe claims as quickly as possible
• Experienced group of professionals dedicated to heavy equipment inspections minimizes business interruption

We are committed to providing prompt, knowledgeable and productive interactions with our business partners and insureds with:

• Over 1,000 service reps averaging over 15 years experience
• Local presence with 69+ locations country-wide
• 90% of policies issued within 25 days of effective date
• 90% of endorsements processed within 30 days of receipt

¹ 2009 accidents evaluated as of 12/31/09