The Travelers Companies, an insurance provider offering a variety of products and services to businesses, individuals and government units in the US and abroad, operates through three distinct segments. The Business Insurance segment caters to small, mid-sized, and large commercial accounts, offering a range of insurance products, including workers' compensation, general liability, and terrorism insurance. The Bond & Specialty Insurance segment provides surety and other property and casualty coverages and related risk management services for a variety of businesses through independent agencies and brokers. The Personal Insurance segment offers automobile and homeowners' insurance to individuals through independent agencies and brokers. Founded in 1853 and headquartered in New York, the Travelers Companies continues to be a significant player in the insurance industry.