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New program development

The National Programs business unit offers WC/GL/AL/property and umbrella products to commercial insureds, underwritten on a program basis. This business segment is dedicated to developing tailored program approaches for insureds with similar risk characteristics, typically utilizing a single distribution source. Programs may include delegation of underwriting and processing authority, or may be managed internally by Travelers (i.e., Golf, Entertainment, Daycare and Architects and Engineers specialty practices). National Programs actively seeks opportunities to write new programs, specifically focusing on segments that are not widely represented within Travelers existing commercial lines business.

Key program elements

  • Emphasis on small to medium size accounts
  • Homogeneous by class/risk factors
  • Program has significant market share within its market niche
  • Ability to attract the best risks in class with a broad mix of customized coverages, tailored risk control, claim and other services

Typical program structure

  • Minimum premium of $5,000,000
  • Will entertain both regional and national programs
  • 3-5 Years of historical information required
  • Claim handling done by Travelers

Expectations of program manager

  • Interests are aligned with shared focus on underwriting profitability
  • Possess specialized expertise with respect to class/line of business
  • Strong knowledge of program marketplace, with proven track record as program manager
  • Effectively manage distribution for the program

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