Travelers (The Travelers Companies) is a company providing commercial and personal property and casualty insurance products and services. It operates across three segments: Personal Insurance, Business Insurance, and Bond and Specialty Insurance. The Personal Insurance segment includes home, auto, and other insurance products for individuals. The Business Insurance segment provides property and casualty insurance and insurance-related services. The Bond and Specialty Insurance segment includes surety, crime, and financial liability businesses that primarily use credit-based underwriting processes.