Revised November 5, 2012

Global Privacy Statement

The nature of our business requires a relationship of trust with our customers. The foundation of that trust is the assurance that we will not misuse information that we receive about customers. The following is our Privacy Statement regarding the collection and disclosure of our customers' personal information. Please note that this Privacy Statement is subject to updates at any time and only the most recently updated statement is applicable. We always will publish the most recently updated statement on this website.

The Travelers companies ("Travelers") do business in a number of different jurisdictions and this Privacy Statement is not a comprehensive statement of all measures taken and rules complied with in each of those jurisdictions. Certain customer information may be protected by various privacy laws. Travelers intends to comply with the privacy laws of the jurisdictions where we do business. Additional Privacy Statements may apply depending on your jurisdiction or customer relationship. Please visit the Privacy Center for other specific statements that may apply to you.

Personal Information

Personal information is information that identifies an individual personally or is capable of being associated with a particular individual. Personal information may in certain circumstances include such information as name, address, phone number, email address, credit history, date of birth, Social Security number, drivers license number, credit or debit card number, policy or claim information and health information.

How We Collect Personal Information

We collect personal information to enable us to provide our products and services to customers and to support our business operations. We obtain personal information from our agents, directly from the customer, from customer-related transactions and from third parties, such as a consumer reporting agency.

Safeguarding Personal Information

We use procedural, manual and electronic security controls to maintain the confidentiality and integrity of personal information in our possession and guard against its unauthorized access. Some techniques we employ to protect information include locked files, user authentication, encryption, firewall technology and the use of detection software. We take steps to identify information that must be protected, provide an adequate level of protection for that data and grant access to protected data as permitted or required by law.

Some of Travelers' employees, agents and service providers may have access to customer personal information in the course of doing their jobs, which includes underwriting policies, processing claims, developing new products or advising customers of our products and services. They are expected to keep this information in confidence and share the information only with those who have a business reason to know. They are prohibited from making unauthorized disclosure of personal information that we obtain about customers. Employees who violate our policies on privacy may be subject to disciplinary action.

Disclosing Personal Information

We keep our customers' personal information private and do not give it to others, unless allowed. We do not give or sell our customers' personal information to other companies for their marketing purposes. We may share personal information that we have about customers within the Travelers family of property and casualty insurance companies.

We may give personal information to other persons or companies to help us manage or service our business. When we do, we require them to use it only for the reasons we gave it to them. To serve our customers and administer our business, including the processing of claims, we may share personal information with unaffiliated third parties, including agents, brokers, other insurance companies, reinsurers, regulators, administrators and service providers and as otherwise permitted or required by law. Such sharing of data may be outside the jurisdiction in which the data was obtained.

Use of Telephone Numbers

By giving us a telephone number, you consent to being contacted at that number, including if the number is for a cell phone or other wireless device. We may contact you in person, by recorded message, by the use of automated dialing equipment, by text (SMS) message, or by any other means of communication your device is capable of receiving, as allowed by law and for reasonable business purposes, including to service your policy with us.

Information for web users

When you visit travelers.com, we gather non-personally identifiable information about your visit, including data such as the internet address of your computer, the type of browser you are using and which web pages referred you to our website. We collect this information so that we can analyze the use of our website and improve our services and your experience. For example, we may use this information to tell you about similar products or services that might be of interest to you.

We use cookies and other similar technologies to help improve travelers.com. Cookies are small files that are stored on your computer. Travelers does not store any personally identifiable information about you in these cookies. Cookies help us track visits to our website and learn more about how you are viewing and using our site. This allows us to personalize your experience when you return.

In addition to helping us provide you with a better web experience, cookies allow us to enhance our online advertising. We contract with online advertising companies ("Ad Companies") to serve our advertisements on third party websites. When you view our advertisements, we may use cookies or other technologies to collect and transmit information about your activity to us or our Ad Companies. We may use this information to measure and manage our marketing efforts.

Our Ad Companies may use non-personally identifiable information about your visits to various websites to provide ads about goods and services of interest to you. In addition, we may share website usage information with our Ad Companies to manage and target ads and for market research. We and our Ad Companies may track some of the pages you visit on our site through cookies and other technologies.

It is possible to opt out of third party advertising programs by visiting the Network Advertising Initiative or Self-Regulatory Principles for Online Behavioral Advertising.

You can choose to have your browser warn you each time a cookie is delivered to you, or you can choose to reject all cookies delivered through your browser. You can do this by changing the security settings on your browser. Additionally you may disable conversion tracking by setting your browser to block cookies from the Travelers.com domain. For instructions on how to modify these settings on your computer, refer to your browser documentation in the "Help" menu. Please note, if you choose to reject cookies, you may not have an optimal experience on our website, as some features will not work properly.

Some areas of Travelers.com have been designed to support popular social media websites. Similar to our advertising partners, some of these sites may collect tracking data by leveraging cookies. Travelers does not directly supply social media sites with any personal information.

Travelers does not control the privacy policies of our advertising and social media partners. Please visit the sites of these businesses to review their privacy policies.

Social Security Protection Policy Statement

Travelers is committed to complying with all legal and contractual duties regarding the confidentiality of Social Security numbers. Travelers protects the confidentiality of social security numbers by disclosing them only as permitted by law. Travelers seeks to limit their access, use, and disclosure consistent with our Global Privacy Statement and is committed to prohibiting their unlawful disclosure through the use of physical, electronic, and procedural safeguards.

Global Operations

Travelers is a global property and casualty insurer, doing business in several countries and jurisdictions. Some of these countries and jurisdictions have enacted stricter laws and regulations protecting personal information; others have not. It is Travelers' policy to comply with the privacy laws and regulations of every country and jurisdiction in which we do business.

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Privacy Statement for Individual U.S. Personal Insurance Consumers

What we mean when we talk about "privacy"

Your privacy is important to us. When we sell an insurance policy to a person we need information about the person or property that we're insuring. We consider this private and have taken steps to keep it confidential.

We want you to know about our privacy practices. This Privacy Statement tells you the kinds of information we get about you, where we get it, and with whom, if anyone, we may share it.

This Statement describes our privacy procedures and practices for individuals who seek or get auto, home and other personal liability and property insurance for personal, family or household needs.

What kind of information we have and where we get it

You give us most of what we need in the application process. To make sure what we have is correct we may need to check with you by phone (including cell phone or other mobile device), E-mail or mail.

By giving us a telephone number, you consent to being contacted at that number, including if the number is for a cell phone or other wireless device. We may contact you in person, by recorded message, by the use of automated dialing equipment, by text (SMS) message, or by any other means of communication your device is capable of receiving, as allowed by law and for reasonable business purposes, including to service your policy with us.

You may be asked to give us more details in writing or over the phone. Plus, we may receive and check your past insurance claims from insurance support organizations or your former insurers.

As allowed by law, we may ask for credit and other consumer reports from consumer reporting agencies concerning your application for insurance or any renewal of insurance. Information given to us by an insurance support organization, including consumer reporting agencies may be retained by them and disclosed to other persons.

For auto insurance, we often get a report of accidents or convictions from your State Motor Vehicle Department. We get these reports through an independent reporting company. We may also check information from government agencies or independent reporting companies. This helps us correctly rate and price your policy.

For home, building, or boat insurance, we or an inspector from an independent company may visit the property to inspect and report on its condition. In some cases, pictures may be taken. This allows us to check the estimate we have of your property's value. If we need more details about the property or the alarm you've installed, we may need to enter your property to finish the inspection. We would contact you before entering your property.

As a part of our application and underwriting process, in most states, we also order an Insurance Score based on credit history. We use the Score, information you give us, and other consumer reports for underwriting and the price we will charge. If we receive corrected personal information from a consumer reporting agency, we will re-evaluate you.

Once you're insured with us, your file may contain details about your policy(ies). This may include bill payments or claim history. A claim representative may comment, for example, on the condition and use of the insured property. We may also keep a police report if one was issued.

Sometimes we need to know about your health. For example, if we need to know whether a physical limitation will affect your ability to drive, we would ask you to sign a form allowing your personal doctor to answer any question we may have.

Who has access to this information

We keep what we collect about you in our files. Our policies and procedures protect your personal information. We have physical, electronic and procedural safeguards in place.

We do not give or sell our customers' personal information to others for marketing purposes. You don't have to ask us to keep your information private because we do not give it, unless allowed.

We will use information about you to sell you insurance, service your insurance and settle claims. We may give the information to other persons or companies to help us manage or service our business. When we do, we require them to use it only for the reasons we gave it to them.

We may give, without your past permission and only if allowed by law, information about you held in our files to certain persons or organizations such as:

Also, we may be required to share this information:

How to find out what information we have about you

If you have any questions about what we have in your file please write to us. When we receive your written request, we will respond within thirty (30) business days. We will let you know if we've given any information about you to anyone in the past. If we asked for a consumer report we will tell you the name and address of the consumer reporting agency.

You may also see and copy your file (except for certain documents about claims and lawsuits). If you believe any of our information is wrong we'll check it out and if we agree there was an error, we'll correct it. If we don't agree, you're still allowed to file a letter with your comments. We'll send the correction or letter to anyone who received or will receive the original information.

If you have any questions about the right of access to or correction of your file or our privacy and security policies, please contact:

Your agent or insurance representative; orTravelers Consumer AffairsATTN: Privacy OfficeOne Tower SquareHartford, CT 06183privacy@travelers.comConsumer Affairs: 860.954.2382

When you write, please be sure to tell us your:

Please include a copy (not the original) of personal ID, such as your driver's license.

We thank you for letting us serve your insurance needs.

This notice is effective November 2012 and is given by The Travelers Indemnity Company, and its property and casualty insurance affiliates, members of the Travelers group of companies. This notice applies to current and former customers and may be amended at any time. The amended notice will be sent to customers and will also be placed on Travelers Web sites.

A statement concerning our use of Insurance Score is available upon request for Oregon residents.

Revised November 5, 2012

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