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General liability insurance provides coverage for certain claims made against an insured by a third party. When an insured's actions (or inactions) cause a third party to experience a loss of some kind, the third party may submit a claim against the insured. General liability only covers the third party's losses. If the insured incurs any damage or losses related to the incident, these losses would be covered separately.
To learn more about how you can recognize and protect yourself against insurance fraud, including staged automobile accidents and slip-and-fall accidents, click here.
If you suspect fraud has been committed, file a report* by phone or via the web, 24 hours a day, 7 days a week. All statements are kept confidential and made available only to the Travelers Investigative Services Team. In addition, reports can be submitted anonymously–no questions asked.
For more information on what insurance fraud is and how Travelers works to protect you from it, visit our Travelers Investigative Services site.
*Reports are submitted via our service provider Ethics Point.
If you expect that someone will be seeking reimbursement from you for medical expenses or damaged property, you should submit your claim to Travelers, whether you believe you are responsible for these damages or not. This way, we can promptly investigate the facts of the loss and be ready to determine how we can best assist you.
The information needed will depend on the type of claim you are reporting. Typically, however, we will ask for:
When you call to report your loss, a Travelers claim customer service professional will document the details of the loss, provide you with a claim number, and assign your claim to one of our claim professionals. And remember, the sooner you call Travelers to report your loss, the sooner we can help you.
You should report your claim to Travelers as soon as possible, even if you don't have all the necessary information. The faster you do so, the sooner we can start assisting you. Your claim professional will be contacting you throughout the claim process, so you will always have the opportunity to update information.
Shortly after reporting your loss, a Travelers claim professional will call you to discuss what will happen next and what your insurance policy covers. He or she will also answer any questions you have. For auto and property claims, the representative will usually set up a time to inspect the damage in person. Remember, your Travelers claim professional is there to be your guide throughout the claim process. We understand that most of our customers are not insurance experts, so we are here to help every step of the way.
Every loss is different, so the length of time needed to settle a claim varies. The time it takes to inspect the damages and investigate the claim will determine the time needed to settle your claim. Your Travelers claim professional will help you through each step of the process and answer any questions you have about your claim. Visit our Auto and Property What to Expect pages to learn more about the claim process.
First, we will review the facts of the loss to determine what happened and whether the loss is covered by your insurance policy. For damaged property or vehicles, this usually requires an in-person inspection. Once your claim professional determines whether the policy covers the loss, we can generally write you a check based on our estimate of the damages, either on the spot or soon afterward.
Simply contact us by phone at 800.252.4633 and choose Option 2. Live claim customer service professionals are available 24/7. To check the status of your claim online, click here. You will be able to obtain many claim details, including your claim professional's name and telephone number. To access the online site, you will need your Travelers claim number and the date your loss occurred.
Subrogation is a process in which Travelers seeks to recover funds on your behalf from the party responsible for the loss. Subrogation assigns blame where it belongs and ensures responsible parties are held accountable for their actions. Consider why your loss happened. What caused your faucet or toilet to leak? Why would a coffee maker catch on fire? We will be evaluating this information when reviewing the facts of your loss. It is this philosophy that allows us to recover payment from parties responsible for our customers' losses.
For specific information on your claim, including how to contact your claim professional and his or her mailing address, please use your claim number and date of loss to check the status of your claim. If you are a medical provider or looking for information on where to send documentation on workers compensation claims, please click here to find our workers compensation mailing addresses by state.
Find contact information for your claim handler, your claim office, and more.