2024 ANNUAL REPORT
To My Fellow Shareholders
Our 2024 Results Speak to the Broad
Strength of the Travelers Franchise
Underlying Underwriting Income
Our Investment Portfolio Continues to Perform
Our Data-Driven Underwriting Culture and Expertise Matter More Than Ever
Availability and Affordability
When Disaster Strikes, Excellence
in Claim Sets Us Apart
Preparing for Tomorrow — Leveraging the Power
of Artificial Intelligence
Consistent and Successful Long-Term Financial Strategy Delivers Shareholder Value
Return on Equity
Travelers Powerful Earnings Engine
A Balanced Approach to Rightsizing Capital
Our Diversified Businesses
Meaningful Total Shareholder Return
Firing on All Cylinders – the Outlook for Travelers
Brand Manifesto
Financial Highlights
Availability
and Affordability
Citizen Travelers
Travelers Institute
Our Communities
Our People
Executive
Officers
Board of Directors
Shareholders' Information
THE TRAVELERS COMPANIES, INC.
•
BECAUSE WE CARE...
we are finding new ways to be a corporation of good citizens
Jonathan
Unit Manager, Claim Auto
Drawing on his experiences as an auto liability severity manager at Travelers, as well as on his lifelong passion for cycling, Jonathan has become a leading and engaged voice for bike and Elizabeth pedestrian safety in his own backyard. Through his service on his county’s Bicycle Pedestrian Advisory Committee, he is helping his community design and deploy less dangerous streetscapes. “This is an opportunity through my local government to have a say,” he noted. The result is a safer community for all – a priority close to Jonathan’s heart and central to our work at Travelers.
Jason
Field Training Manager, Property Claim
Dan
Consulting Engineer, Technology
As volunteer leaders with their local fire departments, Jason and Dan are both using skills they developed at Travelers to make their communities safer and more resilient. Jason brings his experience as a property field training manager at Travelers to his role as Chairman of his local fire district, while Dan applies the troubleshooting skills he uses as a technology engineer at Travelers to his position as Assistant Fire Chief of his town. Both are filling a critical need in their communities, dedicating their time and talents to solving problems and ensuring that emergency services are available to anyone who needs them.
Jim
Corporate Security
After 25 years of pouring his heart and soul into his work with the police department, Jim knows a lot about the power of partnership in fostering safer communities. After transitioning from his role in public service to corporate security, Jim did not hesitate when the mayor asked him to volunteer as Chairman of the Board of Police Commissioners. “I am forever appreciative of this community. I couldn’t imagine not wanting to give back,” he said.
Travelers understands that a healthy private sector depends on durable and reliable public institutions – and we are invested in strengthening both. That is why we created Citizen Travelers, our nonpartisan civic engagement initiative. Through in-house programming and nonprofit partnerships, we are giving our more than 30,000 employees the resources and support to learn more, engage in our democracy as informed citizens and help shape the civic life of their communities. You can find out more at the QR code below.
To My Fellow Shareholders
Our 2024 Results Speak
to the Broad Strength of the Travelers Franchise
Underlying Underwriting Income
Our Investment Portfolio Continues to Perform
Our Data-Driven Under-writing Culture and Expertise
Availability and Affordability
When Disaster Strikes, Excellence in Claim
Sets Us Apart
Leveraging the Power of Artificial Intelligence
Consistent and Successful Long-Term Financial Strategy
Return on Equity
Travelers Powerful
Earnings Engine
A Balanced Approach to Rightsizing Capital
Our Diversified Businesses
Meaningful Total
Shareholder Return
Firing on All Cylinders –
the Outlook for Travelers
Letter to Shareholders