Travelers Investigative Services
Protecting your business from insurance fraud
Fraud is growing more sophisticated every year. Staying ahead requires more than technology alone. It takes a dedicated team of investigators working alongside industry-leading analytics to identify fraud before it impacts your bottom line.
Protecting our customers through advanced fraud prevention
Our unique combination of highly trained investigators and advanced analytics is focused on three objectives:
1. Detecting fraud
Our advanced analytic capabilities surface suspicious activity across all claim types and at every stage of the claim lifecycle, from individual opportunistic situations to coordinated, organized schemes.
2. Investigating fraud
Travelers is one of the few insurers with more than 300 dedicated employees who work closely with our Claim professionals, underwriters, and other business partners to identify and investigate suspicious activity.
Our team of skilled investigators are dedicated to specific geographic areas and specialize in specific fraud types such as medical, fire, underwriting, and cargo theft. Our Major Case and Intelligence Units – many of which have backgrounds in law enforcement, fire sciences, claims and underwriting – investigate complex fraud ranging from sophisticated rings to staged accidents.
3. Deterring fraud
Travelers partners with leading national and regional organizations – including the National Insurance Crime Bureau and the Coalition Against Insurance Fraud – to help shape the industry’s collective response to fraud.
Our dedicated Prosecution Unit responds to requests for information from law enforcement and supports the pursuit of fraud cases. This team also actively follows up on restitution efforts, sending a clear signal that fraud targeting the insurance industry will not go unanswered.
Specialized protection for unique risks
Some risks demand a specialized response. Our dedicated teams extend protection into areas that require deep domain experience:
- Data science and analytics - Our Data and Analytics team leverages AI and machine learning across billions of claim data points to detect emerging fraud patterns, monitor evolving threats and surface suspicious activity before it escalates.
- Forensic fire investigation - Our Fire Team of former fire professionals and experienced investigators brings rigorous forensic specialization to fire claims – accurately determining cause and origin, identifying product defects and delivering the information needed to make confident claim decisions.
- Cargo and specialty theft recovery - Our Special Investigations Group helps prevent theft and recovers stolen cargo, equipment, jewelry, art, boats and marine property. We also provide risk assessments and training to help strengthen your defenses before a loss occurs.
- Legal defense support - Our investigators locate witnesses, investigate scenes, and obtain statements to build the strongest possible defense when claims are filed against your business or employees.
- Proactive fraud prevention - Our Proactive Services Program helps you build a culture of fraud awareness by analyzing vulnerabilities, training your personnel and implementing protective protocols tailored to your business.
- Underwriting fraud detection - A dedicated team focused on identifying emerging threats – including synthetic identity fraud and manipulated documentation – helping keep Travelers ahead of evolving fraud tactics at the point of underwriting.
Our investment in fraud prevention is a cornerstone of the Travelers Promise – taking care of our customers by protecting the integrity of insurance claims.