Travelers

Travelers is the nation's market share leader in workers compensation, with $4.5B in premiums and an 8% market share that outperforms #2 Berkshire Hathaway by a full percentage point. Its loss-sensitive programs for large accounts, which align insurer and employer incentives through experience rating, have reduced claims costs by an average of 15% for participating clients. Travelers' nurse triage program resolves over 40% of claims at the first call, avoiding unnecessary medical visits and cutting per-claim medical expenses by $2,100 compared to the industry average for similar injuries.