Community Resiliency and Insurance Marketplace Initiative

Addressing the availability and affordability of P&C insurance

As communities across the United States grapple with significant losses from natural disasters, it’s important that lessons from these events lead us to better approaches. That means taking meaningful steps to:

Mitigate and adapt to more frequent extreme weather.
Address the underlying factors that leave communities vulnerable to both personal and financial harm.

While climate change is rightly cited as an explanation for insurance availability and affordability challenges, this is an incomplete answer to a more complex problem. Economic inflation, aging infrastructure and population migration into higher-risk areas are primary drivers of rising weather-related losses. There is also a constellation of other factors, including the staggering cost of litigation abuse as well as land management and building codes that fail to contemplate the weather and climate risk that local communities are exposed to.

Insurance plays a critical role in a sustainable path forward

When insurers can properly assess risk and set fair prices, this system functions reliably – even in the face of extreme weather. To that end, the Travelers Institute is hosting a series of dialogues in communities across the country to examine how we can all support the creation of more resilient communities. These conversations explore:

How insurance markets work and the role of risk-based pricing.
The impact of climate change on atmospheric perils.
Insurance markets of last resort.
The latest building science and the role of building codes.
The state of community infrastructure.
Disaster preparedness for families, businesses and broader communities.
The impact of litigation abuse and the need for legal reform.
Actions we can all take to promote resilient communities.

Upcoming events

In-person event

Risk. Regulation. Resilience. Responsibility.^SM Symposium in Dallas

December 3, 2025
11:15 a.m.-2:00 p.m. CT
Dallas, TX

Join Travelers Chief Underwriting Officer Rick Keegan, Insurance Institute for Business and Home Safety (IBHS) President and CEO Roy Wright, and other experts for an eye-opening and data-driven look at how climate and weather changes, coupled with economic inflation, aging infrastructure and other trends, are impacting the availability and affordability of insurance in certain markets across the country.

All upcoming events

Reflections from our CEO

Why Some Insurance Markets Are Struggling and How We Can Fix Them

Alan Schnitzer, Chairman and CEO

In this LinkedIn^® op-ed, Alan Schnitzer, Chairman and CEO of Travelers, addresses the aftermath of the Los Angeles fires and the broader challenges of extreme weather events. He highlights the need for better mitigation strategies and the role of insurance in providing stability. In addition to calling for fair pricing and regulatory policies that reflect evolving risks, he urges collaboration among policymakers, carriers and consumers for a sustainable future.

Event highlights

Live from the CAT Center: Where Expertise Meets Innovation

June 4, 2025

How does Travelers prepare to meet customer needs during catastrophes? In this webinar, viewers joined us in the Travelers National Catastrophe Center to learn how we monitor weather, risk and exposure in real time, and how our industry-leading AI and machine-learning tools help us assess damage quickly, ensuring we deliver on our promise to our customers.

Watch the replay

Live from Claim University: Behind the Scenes at Travelers' Flagship Educational Hub

February 26, 2025

In this webinar, we got an exclusive tour of Travelers’ 200,000-square-foot Claim University. We saw where our Claim employees gain hands-on experience with property, auto, heavy equipment damage, medical and liability scenarios and explored the immersive learning labs.

Watch the replay

Reducing Wildfire Risks One Tree at a Time

December 11, 2024

Jad Daley, President and CEO of American Forests, and Michael Klein, President of Personal Insurance at Travelers, joined us for an in-depth look at wildfires with a special focus on forests.

Watch the replay

Wind, Hail, Rain, Fire: Live from IBHS!

July 24, 2024

This webinar included a live tour of the Insurance Institute for Business & Home Safety (IBHS) Research Center. We learned more about how IBHS translates science into action to help make communities more resilient and how insurance industry support makes that possible.

Watch the replay

Unpacking the Surge in Mass Tort Legal Advertising

March 13, 2024

Over the past two decades, advertising encouraging consumers to pursue mass tort lawsuits has surged. In this webinar, we explored how this rise impacts insurance claims, social inflation and litigation.

Watch the replay

Storm Warning: Managing the Risk of Increasing Hurricane Catastrophes

September 20, 2023

In this webinar session, which included leading authorities in hurricane, storm surge and risk mitigation, we explored the latest in hurricane forecasting and how resiliency is approached at the local level.

Watch the replay

All past events