2020 Annual Report
Shareholders' Information
Leadership
Our Employees
Financial Highlights
Our Climate Strategy
To My Fellow Shareholders
Our 2020 Results
Underwriting Excellence
Resiliency in the Face
of Economic Headwinds
Investment Expertise
Profitable Growth
Our Claim Excellence
Consistent and Successful
Long-Term Financial Strategy
Delivers Shareholder Value
Our Financial Strength
Total Shareholder Return
Innovating Through the Pandemic
The Travelers Companies, Inc.
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
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
Martin J. Henry+
Senior Vice President,
Risk Control
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+
Vice President and
Chief Corporate Actuary
Christine K. Kalla* +
Executive Vice President and General Counsel
Patrick F. Keegan Jr.* +
Senior Vice President and Enterprise Chief Underwriting Officer
Avrohom J. Kess* +
Vice Chairman and
Chief Legal Officer
Patrick J. Kinney* +
Executive Vice President, Enterprise Distribution Management
Michael F. Klein* +
Executive Vice President and President, Personal Insurance
Jeffrey P. Klenk* +
Executive Vice President,
Management Liability,
Bond & Specialty Insurance
Thomas M. Kunkel* +
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 and 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
Brian P. Reilly
Senior Vice President and
Chief Auditor
Ellen M. Rizzo+
Senior Vice President, Claim Shared Services, and Chief Financial Officer, Claim
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
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 2020 Results
Underwriting Excellence
Resiliency in the Face
of Economic Headwinds
Investment Expertise
Profitable Growth
Broad Product Breadth
and Specialization
Our Claim Excellence
Consistent and Successful
Long-Term Financial Strategy Delivers Shareholder Value
Our Financial Strength
Total Shareholder Return
Innovating Through
the Pandemic
The Travelers Promise
in Action
Letter to Shareholders