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Specialty Claim Services
In-house specialists provide unique claim expertise

Specialty Claim Services

Every claim is unique, and outcomes are far from assured, even in situations that seem straightforward. That's why we have specialists on-staff who are dedicated to driving the most positive outcomes possible, no matter what area of expertise a claim requires. Your Claim professional will work with you to help determine if and when specialized services are appropriate and make recommendations based on their extensive experience and insights gleaned from our deep data and analytics capabilities.

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Medical Resources

Show your employees how much you care. Our Claim professionals strive to be the very best in the industry and provide your employees with the care and resources they need.

  • The 24/7 nurse line gives injured employees fast access to medical expertise and claim processing information.
  • Early Severity Predictor® tool helps identify injured employees at a higher risk of developing chronic pain and allows for earlier intervention.

Legal Resources

If someone claims they were injured on your property or by your product, our Claim professionals work together with our investigative and legal experts to develop strategies that help protect your business from unsubstantiated or false claims of damages.

We recognize that a liability claim can have implications that extend well beyond the immediate cost of the claim. Through partnership and collaboration, we are committed to understanding our Constitution State Services (CSS) clients' unique needs and providing them with customized solutions.

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Subrogation

Be confident you are getting a partner who is committed to making sure that losses are paid by the responsible party.

Investigative Services

Stay ahead of the increasing costs of insurance fraud with detection and investigative capabilities. We work hard to protect your business from fraud at every stage of the claim process through sophisticated technology, data and analytics.

  • Field Investigative Staff of nearly 300 investigators countrywide, 95% field based of whom 2/3 have law enforcement background and 1/4 of them have military background.
  • We review claim notices daily and use predictive tools to identify claims that may be appropriate for further investigation.
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Risk Control

Our risk control specialists can help you mitigate your exposures by assessing your operations and providing strategic recommendations, trainings and more.

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Experienced Claim Professionals

Our people are a key reason CSS stands apart from other TPAs. They have extensive experience and ongoing education, are insightful, proactive and aim to work seamlessly with your organization.

Constitution State Service

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This material does not amend or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers, nor is it a representation that coverage does or does not exist for any particular claim or loss. Coverage depends on the facts and circumstances of each claim or loss, all relevant policy or bond provisions, and applicable law. Availability of any coverage referenced in this document depends on underwriting qualifications and state regulations.

Constitution State Services LLC is a subsidiary of The Travelers Companies, Inc. Constitution State Services LLC, One Tower Square, Hartford, CT 06183