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 making our communities more resilient
Resiliency is crucial in the face of changing climate conditions. Extreme wind events, such as hurricanes and tornadoes, can cause severe damage and significantly disrupt families and communities. Working with Team Rubicon, SBP and Smart Home America, Travelers is helping those affected by devastating weather events by rebuilding disaster-impacted communities with FORTIFIED homes, which are better equipped to withstand such disasters.
$7.3 million
provided for rebuilding since program inception
>750
FORTIFIED homes built for low-income families by Habitat for Humanity, SBP and Team Rubicon across the United States, made possible in part with funding from Travelers
FORTIFIED
FORTIFIED
In September 2024, Hurricane Francine impacted the four homes shown above, illustrating a clear difference in resilience. The two standard construction homes on the left and the right were severely damaged, whereas both SBP FORTIFIED homes in the center remained intact.
BUILDING RESILIENT COMMUNITIES WITH HABITAT FOR HUMANITY
To help build stronger, more resilient communities, since 2011, we have joined forces with Habitat for Humanity®, a nonprofit organization that helps families build and improve their homes, and the Insurance Institute for Business & Home Safety (IBHS) to build affordable, wind-resistant homes to FORTIFIED™ standards throughout the country.
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