Company Profile
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$6.3B
of net income, an increase of approximately 26% over 2024
The Travelers Companies, Inc. (NYSE: TRV) is a leading provider of commercial, personal and specialty insurance products and services to businesses, government units, associations and individuals. Our diverse business lines offer our customers a wide range of coverage sold primarily through independent agents and brokers. Travelers has more than 30,000 employees and relationships with more than 12,500 independent agents and brokers in the United States, Canada, the United Kingdom and the Republic of Ireland. Travelers is the only property casualty company in the Dow Jones Industrial Average and generated revenues of approximately $48.8 billion in 2025.
We engage broadly across nine major lines of insurance through our three business segments. Our portfolio is balanced across these lines of business and further diversified by geography and customer size and type. Thanks in no small part to our business mix, Travelers is exceptionally well positioned to navigate the loss environment – from weather volatility to the impact of social inflation on casualty lines. In fact, our consolidated loss ratio is less volatile than the loss ratio of our least volatile segment. That is the power of our diversification – and one of our defining strengths.
Business Insurance
Business Insurance offers a broad array of property and casualty insurance products and services to our customers, primarily in the United States, as well as in the United Kingdom, the Republic of Ireland and throughout other parts of the world, including as a corporate member of Lloyd’s.
A top-five writer of four major U.S. product lines, including number one in commercial multi-peril1
Business Insurance
Net Written Premiums5
Combined Ratio: 91.7%
Segment Income: $3.7B
Bond & Specialty Insurance
Bond & Specialty Insurance offers surety, fidelity, management liability, professional liability, and other property and casualty coverages and related risk management services to our customers, primarily in the United States, and certain surety and/or specialty insurance products in Canada, the United Kingdom, the Republic of Ireland and Brazil (through a joint venture).
A top-five writer of surety and management liability in the U.S.2
Bond & Specialty Insurance
Net Written Premiums5
Combined Ratio: 81.9%
Segment Income: $1.0B
Personal Insurance
Personal Insurance offers a broad range of property and casualty insurance products and services covering individuals’ personal risks, primarily in the United States. Our primary products of automobile and homeowners insurance are complemented by a broad suite of related products and coverages.
A top-10 writer of U.S. personal automobile and homeowners insurance,3 and a leading personal insurance writer with independent agents4
Personal Insurance
Net Written Premiums5
Combined Ratio: 89.5%
Segment Income: $2.1B
1 2025 U.S. Statutory DWP. Four major product lines: Commercial Multi-Peril (Commercial Multiple Peril (Liability), Commercial Multiple Peril (Non-Liability), Farmowners Multiple Peril); Commercial Auto (Commercial Auto No-Fault (Personal Injury Protection), Commercial Auto Physical Damage, Other Commercial Auto Liability); General Liability (Other Liability Occurrence, Product Liability); and Workers Compensation. Copyright © 2026, S&P Global Market Intelligence. Used with permission.
2 2025 U.S. Statutory DWP, U.S. excluding territories. Management Liability reflects Other Liability Claims Made, Fidelity, and Burglary & Theft statutory lines. Copyright © 2026, S&P Global Market Intelligence. Used with permission.
3 2025 U.S. Statutory DWP. Copyright © 2026, S&P Global Market Intelligence. Used with permission.
4 2024 U.S. Statutory DWP. Copyright © A.M. Best Company, Inc. Used with permission.
5 On May 27, 2025, Travelers signed a definitive agreement to sell the personal insurance business and the majority of the commercial insurance business of Travelers Canada to Definity Financial Corporation. On January 2, 2026, the transaction closed. Travelers retained its Canadian surety business.