TRAVELERS COMPANIES, INC.

The Travelers Companies, Inc. is a holding company primarily engaged in providing property and casualty insurance products and services through its subsidiaries. The company was incorporated in Minnesota and has its principal executive offices in New York. The company's business strategy includes offering a wide range of commercial and personal property and casualty insurance products and services to businesses, government units, associations, and individuals. The company's property and casualty insurance industry is highly competitive, with many factors influencing its position, including pricing, product offerings, agent and broker relationships, technology, data analysis, claims handling, customer experience, cost effectiveness, and adaptability to changing markets and regulations. The company's property and casualty insurance operations expose it to claims arising from catastrophes and the availability of reinsurance. The company's business is organized into two main segments: Business Insurance and Bond & Specialty Insurance. Business Insurance offers a range of property and casualty insurance products and services to businesses in the United States and internationally, including workers' compensation, commercial automobile, commercial property, general liability, and commercial multi-peril. Bond & Specialty Insurance offers surety, fidelity, management liability, professional liability, and other property and casualty coverages and related risk management services to customers primarily in the United States and certain surety and specialty insurance products in Canada, the United Kingdom, the Republic of Ireland, and Brazil. The company's website is www.travelers.com, and its ticker symbol is TRV.