Carolyn S Rich Insurance Agency

Business and International Insurance Bond & Specialty Insurance and Personal Insurance. The Business and International Insurance segment offers property and casualty products including commercial multi-peril commercial property general liability commercial automobile and workers' compensation; and personal property employers' liability public and product liability professional indemnity commercial property surety marine aviation personal accident and kidnap and ransom insurance. This segment operates through select accounts which serve small businesses; commercial accounts that serve mid-sized businesses; national accounts which serve large companies; first party that provides traditional and customized property insurance programs to large and mid-sized customers; and specialized distribution which markets and underwrites its products through brokers wholesale agents program managers and specialized retail agents. The Bond & Specialty Insurance segment provides fidelity and surety and general liability products as well as others such as property workers' compensation commercial automobile and commercial multi-peril insurance products. The Personal Insurance segment offers property and casualty insurance covering personal risks primarily automobile and homeowners insurance to individuals. The company distributes its products primarily through independent agencies and brokers. The Travelers Companies Inc. was founded in 1853 and is based in New York.