Privacy Policy

Version 3, last updated on 1 November 2004

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 the information that we receive about customers. The following is our Privacy Policy which is subject to updates at any time.  Travelers operates in a number of different jurisdictions and this Privacy Policy is not a comprehensive statement of all measures taken and rules complied with in each of those jurisdictions but an indication of the intent of Travelers.

Personal Information
Personal information is information that identifies an individual personally. Personal information includes information such as credit history, income, policy or claim information. One type of personal information is sensitive information that may include personal health information, financial information and other information relating to race, religious or other beliefs, political opinions, criminal records or trade union membership.

How We Collect Personal Information
We collect personal information to support our business operations. We may obtain personal information directly from the customer, from customer-related transactions and from third parties, such as a consumer reporting agency. We may gather personal information from sources such as applications, transactions and consumer reports. We may also collect information from claims with Travelers as well as with other insurance companies.

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

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 success. Some techniques we employ to protect information include locked files, user authentication, encryption, firewall technology and the use of detection software. We are responsible for identifying information that must be protected, providing an adequate level of protection for that data and granting access to protected data as permitted or required by law.

Disclosing Personal Information
We may share personal information that we have about customers within Travelers’ family of companies, including insurance companies and third party administrators. To serve our customers and administer our business including the processing of claims, we may also share personal information about customers with unaffiliated third parties, including insureds, agents, brokers, other insurance companies, reinsurers, regulators, administrators and service providers and as otherwise permitted or required by law. In addition, we may share such information with other unaffiliated third parties who are assisting us by performing services for us on our behalf, such as conducting surveys, marketing our products or services, or offering products or services under a joint agreement between us and the third party. Such sharing of data may be outside the jurisdiction in which the data was obtained.

Prior to sharing personal information with unaffiliated third parties, except as described in this Privacy Policy or as permitted or required by law, we will give affected customers advance notice of our intention to do so.

We may disclose sensitive and other information with proper written authorization from the individual or as otherwise permitted or required by law.

Customer rights
Travelers acknowledges that some customers about whom we collect personal information have certain legal rights concerning that information. These individuals have a right to be told of their privacy rights and our information handling practices. They have a right to know what information we have about them and with whom we share it. In certain circumstances, they have a right to correct any mistakes they find. Travelers supports these rights as they add a measure of security and confidence to our dealings with the public. We will do everything we reasonably can to assist customers exercising their privacy rights and will not attempt to dissuade them from doing so.

Global Operations
Travelers is a worldwide insurer and reinsurer, doing business in many different countries. Some of these countries have enacted laws and regulations protecting personal information; other countries have not. It is Travelers’ policy to comply with the privacy laws and regulations of every country in which we do business.