Travelers was founded in 1864 in Hartford. It was founded to provide travel insurance to railroad travelers at a time when travel was far more risky and dangerous than today, hence the name. Along the way it had many industry firsts, including the first automobile policy, the first commercial airline policy, and the first policy for space travel. In 1954 it established the world's first privately owned weather research facility, the Travelers Weather Research Center, the first organization to make weather predictions using probabilities ("20% chance of rain"). By the early 1990s, Travelers was predominantly a general property and casualty insurer that also happened to do some travel insurance on the side, and it quietly exited its original business in 1994. What was left of Travelers' travel insurance business was acquired by three former employees and is now known as Travel Insured International, a Crum and Forster Company.
A family of four are about to die in a car crash when the mother, father, and son become travelers. Charlotte, the daughter, retains her identity when the team's historian's transfer misfires, so MacLaren sends her to stay with her grandparents until the others complete their mission. Trevor, Carly, Marcy, and Philip are abducted and interrogated about the future until Carly kills their guard. David alerts MacLaren when Marcy does not come home, who is able to find and rescue the team with Officer Boyd. MacLaren was forced to cancel the team's mission with the family team, and Carly speculates this was their unidentified captor's goal.
The team track down Simon (Traveler 0004), a specialist who developed the consciousness transfer technology in the future, who was sent into a host body that developed schizophrenia after arrival. Simon, who set up the Travelers' communications system in the 21st, is haunted by hallucinations of Vincent, who previously convinced an institutionalized Simon that the Director wanted him to next build transfer technology in the 21st.
Many of Travelers' ancestor companies, such as St. Paul and USF&G, are technically still around today, and still write policies and accept claims in their own names (under the overarching Travelers brand name). As is typical of most insurers in the United States, Travelers never dissolved the various companies it acquired, but simply made them wholly owned subsidiaries and trained its employees to act on behalf of those subsidiaries. This is a common risk management strategy used by U.S. insurance groups. If any one company in the group gets hit with too many claims, the situation can be easily contained to that one company (which is placed in runoff and allowed to run its policies to completion), while the remainder of the group continues to operate normally.
Flight Denver - Chicago (DEN - ORD) $79+ Flight Houston - Chicago (HOU - ORD) $91+ Flight Houston - Chicago (IAH - ORD) $91+ Flight Boston - Chicago (BOS - ORD) $97+ Flight Dallas - Chicago (DFW - ORD) $97+ Flight Minneapolis - Chicago (MSP - ORD) $97+ Flight New York - Chicago (LGA - ORD) $97+ Flight Washington - Chicago (BWI - ORD) $101+ Flight Atlanta - Chicago (ATL - ORD) $108+
U.S. travelers have historically overlooked Mauritius in favor of other Indian Ocean destinations like the Seychelles and Maldives. That could all change, though, now that this remote, idyllic island some 1,200 miles off the African coast has become easier to reach. A flurry of new airline services launched at the end of 2017: KLM began servicing Mauritius from Amsterdam, and British carrier Thomas Cook Airlines introduced biweekly flights in November. Upon arrival, travelers can take in dreamy lagoon views from the newly reopened One&Only Le Saint Géran, fresh off a multimillion-dollar renovation. Every room and suite now has a private terrace or balcony, marble baths with cascade showers, and sophisticated teak, stone, and leather accents. Guests can also look forward to updated dining experiences — like lunch spot La Pointe, which grills fresh-caught seafood over firewood and coconut embers, or open-air restaurant La Terrasse, which offers Mauritian specialties. Unchanged at Le Saint Géran is its aura of exclusivity, thanks to the resort’s unique position on a private peninsula jutting out from the island’s eastern shore. —Melanie Lieberman
The Greek highway system has seen several recent upgrades, with a new route making the 2,000-year-old olive trees and lesser-visited ruins of the Peloponnese, the country’s southernmost swathe of mainland, more accessible. Completed in late 2016, the new A71 highway from Lefktro to Sparta shaves off two hours of driving time from Athens, and has also connected the Lefktro region to nearby Kalamata Airport, about 90 minutes away. Meanwhile, ports have been expanded at Gytheio and Katakolon — the latter a stopping point for the Viking Star, which launched in 2014. Farming is still integral to the region, and agritourism resorts like Eumelia constantly refresh their food and wellness-themed workshops, in addition to serving local dishes like maniatiki pasta with dry mizithra cheese, and moustokouloura, or cookies made with grape molasses. Goddesses seeking more temple-like accommodations should head to Porto Heli, on the eastern side of the Peloponnese, where everyone is talking about Amanzoe’s new Villa 31, a serene space with grandstand views of the surrounding coastline that contains a unique installation by light artist James Turrell. —Adam Harney Graham
Landlocked Laos might be quieter than Southeast Asian neighbors like Vietnam and Thailand, but 2018 could transform the country into the region’s next hot spot. Wattay International Airport, in the capital of Vientiane, is set to complete a terminal expansion to accommodate more international links next year, but the biggest changes are foot in the UNESCO World Heritage–inscribed town of Luang Prabang, in central Laos. This serene riverside spot lures travelers to its golden Buddhist temples, French-colonial architecture, hiking trails, nearby elephant sanctuaries — and now, glamorous new digs. Last year, the design-forward Azerai opened inside a century-old French-colonial building that was formerly an officer’s quarters. The debut concept from Aman Resorts founder Adrian Zecha has airy, light wood interiors that nod to local culture in their use of batik textiles and Laotian artwork. There’s also an 80-foot swimming pool in a tree-shaded central courtyard. The upcoming Rosewood Luang Prabang aims to be a destination in itself. Opening in mid 2018, this highly anticipated resort will feature pavilion-style villas, luxury tents, and a spa that seems to float above the jungle. —Kate Springer
Although the former Soviet republic might seem remote, Uzbekistan once sat at the very center of the world. In the first millennium, no traveler could pass from Asia to Europe without stopping in the Silk Road strongholds of Bukhara and Samarkand, and as a result these cities evolved into rich cultural centers. For intrepid travelers, today’s Uzbekistan is a promised land: a Muslim-majority nation that’s both safe and affordable, with few tourists and an abundance of well-preserved mosques and harems. And since the death of authoritarian president Islam Karimov last year, the new regime has taken steps toward reform that have given both Uzbeks and the international community reason for optimism. Improving relations with Iran could soon bring a rail link to the Persian Gulf, and in 2016, the Afrosiyob high-speed-train line began connecting the country’s major cities. Meanwhile, Uzbekistan should benefit from the so-called Iron Silk Road, or Trans-Asian Railway — a Chinese-funded network of routes knitting together Beijing and Europe — once a segment connecting the country through Kyrgyzstan is completed. Book a customized journey with Exeter International, which specializes in the region. —Heidi Mitchell
In March 2017, Travelers agreed to acquire UK-based Simply Business from Aquiline Capital Partners for approximately $490 million. Simply Business is a leading U.K. distributor of small business insurance policies, offering products online on behalf of a broad panel of carriers. It has more than 425,000 microbusiness customers covering more than 1,000 classes of business, and was named “Best Company to Work For” by The Sunday Times in 2015 and 2016. The transaction adds to Travelers' digital capabilities.
In January 2007, Travelers agreed to pay US$77 million to six states to settle a class action suit and end investigations into its insurance practices. The charges involved paying the insurance broker Marsh & McLennan Companies contingent commissions to win business without the knowledge of clients, thus creating a conflict of interest. Additionally, the investigation examined whether Travelers had created the illusion of competition by submitting fake bids, thus misleading clients into believing they were receiving competitive commercial premiums.
A suicide bomber and his victims are set to become travelers, but the bomb explodes and only Donner, the bomber, survives. Devastated by his failure, Donner tries to betray the traveler program to the authorities, but the entire hearing is populated by travelers who hold a trial and convict Donner of treason. Donner is overwritten by a new traveler, who must serve Donner's prison sentence, and reports that things in the future are getting worse despite the changes enacted by Traveler teams in the 21st. Luca approaches Donner in prison, implying that he has lost faith in the Director. Ken, David's boss, believes David's relationship with Marcy is inappropriate. Upon meeting Marcy, he believes she has defrauded the system. Marcy saves David's job by repaying her benefits. Grace, Trevor's guidance counselor, and Jacqueline, Carly's social worker, genuinely care about them, respectively. Grace tries to help Trevor with his academics, and Jacqueline promises that she will not let the system fail Carly and her child. Philip discovers that gambling outcomes are deviating slightly from the historic record.
Vincent asks the team to stand down and let him finish what he has been planning. When the team refuses to comply, Vincent holds the lives of Kat, David, Jeffery, Ray, and Grace over them, and forces them to reveal themselves as Travelers to the world. The team must make the choice between breaking protocol and thus risking being overwritten by the Director, or doing what they must to save the ones they've grown to care about since their arrival in the 21st.
A picture-perfect trio of islands lapped by turquoise waters, the Maltese archipelago has all the charm of nearby Sicily with far fewer tourists. Valletta, the tiny nation’s capital and a UNESCO World Heritage site, feels like something plucked straight from Westeros. The historic walled city dates back to 1565, and has a vibe that’s Mediterranean with a North African twist. This underrated destination is finally stepping into the global limelight as a 2018 European Capital of Culture. To celebrate the occasion, the city has planned more than 140 projects and 400 events throughout the year. The festivities begin on January 20, with contemporary dance, a choral symphony, and acrobatic performances across the city’s four main squares. Should you miss the grand opening, swing by in February for Carnival, or in June for the Malta International Arts Festival and the Valletta Film Festival. —Diana Hubbell
Flight Dallas - Las Vegas (DFW - LAS) $55+ Flight Los Angeles - Las Vegas (LAX - LAS) $55+ Flight Oakland - Las Vegas (OAK - LAS) $55+ Flight Seattle - Las Vegas (SEA - LAS) $55+ Flight Houston - Las Vegas (IAH - LAS) $72+ Flight Denver - Las Vegas (DEN - LAS) $77+ Flight San José - Las Vegas (SJC - LAS) $77+ Flight Houston - Las Vegas (HOU - LAS) $82+ Flight San Francisco - Las Vegas (SFO - LAS) $97+ Flight Chicago - Las Vegas (ORD - LAS) $125+ Flight Minneapolis - Las Vegas (MSP - LAS) $130+ Flight Orlando - Las Vegas (MCO - LAS) $131+ Flight Philadelphia - Las Vegas (PHL - LAS) $137+ Flight Washington - Las Vegas (BWI - LAS) $155+ Flight Atlanta - Las Vegas (ATL - LAS) $162+ Flight Newark - Las Vegas (EWR - LAS) $167+ Flight Fort Lauderdale - Las Vegas (FLL - LAS) $168+ Flight Boston - Las Vegas (BOS - LAS) $173+ Flight Washington - Las Vegas (DCA - LAS) $176+ Flight Detroit - Las Vegas (DTW - LAS) $177+ Flight New York - Las Vegas (LGA - LAS) $186+ Flight New York - Las Vegas (JFK - LAS) $219+ Flight Chicago - Las Vegas (MDW - LAS) $233+ Flight Honolulu - Las Vegas (HNL - LAS) $336+
During an update for historians, one of them dies from cerebral overload and is taken over by another traveler. The faction then breaks in and kidnaps the historians. A Blackbox is a device used to extract information from an unconscious or dying person and the team uses one to access a critically injured Hall to ascertain the location of historians. Jeff reaches out to his police sergeant to get his job back and is told to get help from a social worker first. Philip is questioned by the faction. Philip is given time with Kyle as a gesture of good will, who states that he sympathizes with the faction's goal, especially since he just saw another historian die during the update. Faction saves a TELL that Kyle provided to gain his support. Jeff reaches out to David to sign his therapy form for him to get his job back. David agrees to help as a social worker with Jeff's addiction, which the traveler doesn't actually have. Hall is able to relay information from when he was tracking his team's historian showing he ran into a faction team and was shot climbing a fence. He reveals that it was Kyle and Luca from his own team that shot him. Hall is able to show the team the location of the historians and the team is dispatched. While with David, Jeff receives a message to meet up at the location for tactical support. Philip is able to escape before being cornered by Kyle and Luca. Maclaren's team shows up just in time to save Philip and kills Luca and Kyle. The team saves all the historians while taking out many of the faction. Hall is told he saved them all and is able to pass away in peace knowing that. Jeff and Carly reconnect. Philip is seen throwing out his yellow pills that historians have to take.
Resuming their hosts' lives, the team suffer paranoia and hallucinations of their future pre-Travel lives, side effects of the antitoxin. MacLaren's coworkers hold a surprise party for his 15th anniversary with the FBI. Kat confronts him about lying to Forbes; he seduces her, but she is still certain he is cheating. During their lovemaking, MacLaren hallucinates that Kat is a woman with very short hair, with Carly's number (3465) tattooed on her neck. After Rene attempts to shoplift some clothes with Trevor and another friend, Trevor confronts the two outside, in an alley. During a fight between Trevor and the other guy, Trevor possibly experiences a slippage of time, where his friend is able to connect with a punch. This will later develop into Trevor's diagnosis of temporal aphasia. Their intimacy growing, David reluctantly helps Marcy perform surgery on herself to prevent seizures. Carly rebuffs a representative of Child Protective Services. Trevor reins in his host's delinquency, and he and Renee meditate. Ray takes Philip to a twelve-step meeting for drug addicts and gets him a pet turtle to care for. Trevor and Philip learn the team has a new mission.
The Director can invoke three other protocols in special situations: Protocol Alpha temporarily suspends all other protocols when a critical mission must be completed at all costs, Protocol Epsilon can be invoked when Traveler archives are threatened, and Protocol Omega permanently suspends all other protocols when the Director abandons the Travelers because the future has either been fixed or deemed impossible to fix.
The Big Easy turns the Big 3-0-0 this year, and in this city where the good times roll, the parties will be epic — think citywide art shows, supersized Mardi Gras parades, and a festival of lights using landmark buildings as backdrops. Thirteen years after Hurricane Katrina, there is much to celebrate: The Central Business District, once a dead zone after dark, now crackles at all hours thanks to four new hotels (the Ace, Troubadour, Catahoula, and NOPSI), each with its own rooftop bar. The neighborhood is also home to new restaurants like Maypop — a Vietnamese-Creole joint from acclaimed chef Michael Gulotta. Another area coming to life is the three-mile riverfront, where a renovated Spanish Plaza will reopen this spring. More riverfront updates, including a new Four Seasons Hotel, will roll out in the next few years. Toast the tricentennial at the Sazerac House, a French Quarter museum dedicated to the official cocktail of New Orleans, opening later this year. —Allison Entrekin
With its recent 150th anniversary celebration, pop-culture cred (Drake, Ryan Gosling, and Justin Bieber have Canadian roots), and charismatic prime minister, the Great White North has finally begun to receive the international recognition it deserves — and Toronto has been preening itself for this lead role. Luxe properties and forward-thinking restaurants have been popping up across the city: there’s Queen Street’s historic Broadview Hotel, which reopened in the burgeoning East End with guest-room details like vinyl turntables and burgundy velvet drapes, and the stylish Bisha Hotel downtown, where the likes of Lenny Kravitz and celebrity chef Akira Back have lent their design and culinary expertise. In stereotypically modest Canadian fashion, Brothers Food + Wine — one of the city’s most exciting new openings — is housed inside a tiny, nondescript space just above the Bay Street subway station, but dazzles with seasonal dishes like crispy steelhead trout with braised gem lettuce and yogurt-and-caper sauce. Next up: in Spring 2018, the Museum of Contemporary Art will move into a century-old former factory in the Junction Triangle. —Jennifer Salerno
Saint Paul Fire and Marine Insurance Co. was founded March 5, 1853, in St. Paul, Minnesota, serving local customers who were having a difficult time getting claim payments in a timely manner from insurance companies on the east coast of the United States. It barely survived the Panic of 1857 by dramatically paring down its operations and later reorganizing itself into a stock company (as opposed to a mutual company). It soon spread its operations across the country. In 1998 it acquired USF&G, known formerly as United States Fidelity and Guaranty Company, an insurance company based in Baltimore, Maryland, for $3.9 billion in stock and assumed debt. By buying USF&G, they went from the 13th to the eighth largest property and casualty insurance company in the United States. Through economies of scale between the two companies, and a difficult business environment, they downsized the company substantially over the coming years by selling certain business units to focus on more profitable business units.
The team learns that Traveler 001 is still alive in the body of his former psychologist, Perrow, when the Faction tries to capture him/her. Perrow dies but they believe 001 had access to a transfer device (since in the future he helped construct one) and as a result they are unsure where his consciousness now resides. Doubts about their loved ones worsen for Kat (suffering hallucinations and suspicions), Jeff (now, not Jeff and trying to make amends) and David, who is concussed.
Those who think they’ve seen and done it all in the Bahamas should think again. Baha Mar, the multibillion dollar hotel and casino development on Nassau’s Cable Beach, will be fully up and running when Rosewood resorts launches there this spring. (Baha Mar’s Grand Hyatt and SLS properties are already drawing visitors with their sophisticated, contemporary rooms.) On neighboring Paradise Island, the iconic Ocean Club resort is under new management with Four Seasons. And at Atlantis, the adults-focused Cove resort now has an outpost of Sip Sip restaurant, Julie Lightbourn’s Harbour Island favorite, while the family-friendly Coral Towers debuted a new lobby, guest rooms, and pool courtesy of star hotel designer Jeffrey Beers. And T+L’s World’s Best winner Kamalame Cay has added stylish beach bungalows — stand-alone suites that start at a whopping 450 square feet and feature private verandas and outdoor showers. —Jacqueline Gifford
In August 2012, Travelers sued the National Football League for forcing the company and its subsidiaries to pay to defend the league for failing to protect players from brain injury, in a case filed in the New York State Supreme Court called Discover Property & Casualty Co. et al. vs. National Football League et al., New York State Supreme Court, New York County, No. 652933/2012. The league had sued over three dozen insurance companies the week before in an attempt to cover the claims that players made against the league.
One type of volcanic oceanic island is found in a volcanic island arc. These islands arise from volcanoes where the subduction of one plate under another is occurring. Examples are the Aleutian Islands, the Mariana Islands, and most of Tonga in the Pacific Ocean. The only examples in the Atlantic Ocean are some of the Lesser Antilles and the South Sandwich Islands.
In October 2015, Travelers acquired a majority interest in the property casualty business of its J. Malucelli joint venture in Brazil. J. Malucelli commenced writing property casualty business in 2012. The property casualty business operates under the Travelers brand and focuses on property, general liability, construction and financial insurance products. The business is based in São Paulo.