Shareholders' Information
Our Community Commitments
Financial Highlights
Our Climate Strategy in Action
Taking Care of Our Employees
To My Fellow Shareholders
Our 2021 Results
Investment Expertise
2021 Financial Results in the Context
of Our Innovation Strategy
Underwriting Expertise
Investing in Technology Drives Value — Today and in the Future
Investing in Our Employees
Consistent and Successful Long-Term Financial Strategy Delivers Shareholder Value
A Balanced Approach to Right-Sizing Capital
Citizen Travelers
Leadership
The Travelers Companies, Inc.
2021 Annual Report
Management
Alan D. Schnitzer* +
Chairman and
Chief Executive Officer
Scott C. Belden+
Senior Vice President, Reinsurance
D. Keith Bell
Senior Vice President, Accounting Standards
Andy F. Bessette* +
Executive Vice President and Chief Administrative Officer
Lisa M. Caputo* +
Executive Vice President,
Marketing, Communications
and Customer Experience
Claudiu L. Coltea+
Senior Vice President, Enterprise Customer Experience
Susanne M. Figueredo+
Senior Vice President, Enterprise Operations
James L. Forshey+
Senior Vice President,
Field Management, Bond & Specialty Insurance
Daniel S. Frey* +
Executive Vice President and Chief Financial Officer
Patrick C. Gee+
Senior Vice President, Claim Personal Insurance
Myles P. Gibbons+
Senior Vice President and President, Commercial Accounts Group, and
Chief Underwriting Officer, Middle Market
Abbe F. Goldstein+
Senior Vice President,
Investor Relations
Pete Heard* +
Executive Vice President, Enterprise Distribution
William H. Heyman* +
Vice Chairman and Chairman of the Investment Policy Committee
Scott F. Higgins* +
Executive Vice President and President, Middle Market, National Property and Business Insurance Field
Bruce R. Jones* +
Executive Vice President, Enterprise Risk Management and Chief Risk Officer
Julie M. Joyce+
Senior Vice President and
Chief Corporate Actuary
Christine K. Kalla* +
Executive Vice President and General Counsel
Patrick F. Keegan Jr.* +
Executive Vice President and Enterprise Chief Underwriting Officer
Avrohom J. Kess* +
Vice Chairman and
Chief Legal Officer
Michael F. Klein* +
Executive Vice President and President, Personal Insurance
Jeffrey P. Klenk* +
Executive Vice President and President, Bond & Specialty Insurance
Diane Kurtzman* +
Executive Vice President and Chief Human Resources Officer
Mojgan M. Lefebvre* +
Executive Vice President and Chief Technology & Operations Officer
Patrick L. Linehan+
Senior Vice President,
Corporate Communications
William C. Malugen Jr.* +
Executive Vice President and President, National Accounts
Mano Mannoochahr+
Senior Vice President and
Chief Data and Analytics Officer
Lisa Morgan+
Senior Vice President and President, Construction, Energy and Marine
Eric M. Nelson+
Senior Vice President, Catastrophe Risk Management
Eric Nordquist* +
Executive Vice President and President, Small Commercial
& Business Insurance
Business Centers
Maria Olivo* +
Executive Vice President, Strategic Development, and President, International
Sean A. Ramalho+
Senior Vice President,
Strategic Execution
Brian P. Reilly
Senior Vice President and
Chief Auditor
Timothy D. Rogers+
Senior Vice President,
Chief Financial Officer and
Chief Operating Officer, Business Insurance
David D. Rowland* +
Executive Vice President and Co-Chief Investment Officer
Douglas K. Russell+
Senior Vice President, Corporate Controller and Treasurer
Scott W. Rynda
Senior Vice President,
Corporate Tax
Peter Schwartz
Senior Vice President and
Group General Counsel,
Corporate Litigation
Nicholas Seminara* +
Executive Vice President and Chief Claim Officer
Wendy C. Skjerven
Vice President, Corporate Secretary and Group
General Counsel
Kevin C. Smith* +
Executive Vice President and
Chief Innovation Officer
Gregory C. Toczydlowski* +
Executive Vice President and President, Business Insurance
Glenn E. Westrick
Senior Vice President,
Government Relations
Mary O. Woods+
Senior Vice President and
Chief Underwriting Officer, Business Insurance
Joan K. Woodward* +
Executive Vice President,
Public Policy, and President,
The Travelers Institute
Daniel T. H. Yin* +
Executive Vice President and Co-Chief Investment Officer
William J. Zielinski+
Senior Vice President,
Product Management,
Personal Insurance
* Management Committee Member
+ Operating Committee Member
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To My Fellow Shareholders
Our 2021 Results
Investment Expertise
2021 Financial Results in the Context of Our Innovation Strategy
Underwriting Expertise
Investing in Technology Drives Value – Today and in the Future
Investing in Our Employees
Consistent and Successful
Long-Term Financial Strategy Delivers Shareholder Value
A Balanced Approach to Rightsizing Capital
The Power of Our Diversified Businesses
Total Shareholder Return
The Travelers Promise in Action
Citizen Travelers
Letter to Shareholders