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Travelers Companies inc   (TRV)
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Travelers Companies Inc 's Customers Performance

TRV

 
TRV's Source of Revenues Travelers Companies Inc 's Customers have recorded an increase in their cost of revenue by 15.29 % in the 2 quarter 2021 year on year, sequentially costs of revenue grew by 4.19 %, for the same period Travelers Companies Inc recorded revenue increase by 17.38 % year on year, sequentially revenue grew by 4.5 %.

List of TRV Customers




Travelers Companies Inc 's Customers have recorded an increase in their cost of revenue by 15.29 % in the 2 quarter 2021 year on year, sequentially costs of revenue grew by 4.19 %, for the same period Travelers Companies Inc recorded revenue increase by 17.38 % year on year, sequentially revenue grew by 4.5 %.

List of TRV Customers


   
Customers Net Income grew in Q2 by Customers Net margin grew to
76.97 % 22.49 %



Travelers Companies Inc 's Customers, Q2 2021 Revenue Growth By Industry
Customers in Miscellaneous Fabricated Products Industry      20.89 %
Customers in Auto & Truck Parts Industry      101.64 %
Customers in Accident & Health Insurance Industry      9.08 %
Customers in Life Insurance Industry      7.56 %
Customers in Insurance Brokerage Industry      18.9 %
Customers in Property & Casualty Insurance Industry      19.38 %
Customers in Money Center Banks Industry      189.44 %
Customers in Special Transportation Services Industry      20.02 %
     
• Customers Valuation • Segment Rev. Growth • Segment Inc. Growth • Customers Mgmt. Effect.


Travelers Companies Inc 's Comment on Sales, Marketing and Customers



Business Insurance distributes its products through approximately 10,500 independent agencies and brokers located throughout the United States that are serviced by 116 field offices and three customer service centers. Business Insurance continues to make significant investments in enhanced technology utilizing internet-based applications to provide real-time interface capabilities with independent agencies and brokers. Business Insurance builds relationships with well-established, independent insurance agencies and brokers. In selecting new independent agencies and brokers to distribute its products, Business Insurance considers, among other attributes, each agency's or broker's financial strength, staff experience and strategic fit with the Company's operating and marketing plans. Once an agency or broker is appointed, Business Insurance carefully monitors its performance. The majority of products offered by the Select Accounts, Commercial Accounts, Industry-Focused Underwriting and Target Risk Underwriting groups are distributed through a common base of independent agents and brokers, many of whom also sell the Company's Personal Insurance products. Additionally, the Industry-Focused Underwriting and Target Risk Underwriting groups may underwrite business with agents that specialize in servicing the needs of certain of the industries served by these groups.

Select Accounts is a leading provider of commercial property and casualty insurance products to small businesses, generally with fewer than 50 employees. Products offered by Select Accounts are guaranteed-cost policies, including packaged products covering property and liability exposures. Each small business risk is independently evaluated via an automated underwriting platform which in turn enables agents to quote, bind and issue a substantial amount of new small business risks at their desktop in an efficient manner that significantly reduces the time period between quoting a price on a new policy and issuing that policy. Risks with more complex characteristics are underwritten with the assistance of Company personnel. The automated underwriting platform has significantly streamlined the agent desktop underwriting process. Select Accounts has established a strong marketing relationship with its distribution network and has provided this network with defined underwriting policies, a broad array of products and competitive prices. In addition, the Company has established centralized service centers to help agents perform many service functions, in return for a fee.

Commercial Accounts sells a broad range of commercial property and casualty insurance products through a large network of independent agents and brokers, primarily targeting mid-sized businesses with 50 to 1,000 employees. The Company offers a full line of products to its Commercial Accounts customers with an emphasis on guaranteed cost programs. Each account is underwritten based on the unique risk characteristics, loss history and coverage needs of the account. The ability to underwrite at this detailed level allows Commercial Accounts to have a broad risk appetite and a diversified customer base.

National Accounts sells a variety of casualty products and services to large companies through a network of national and regional brokers, primarily utilizing loss-sensitive products in connection with a large deductible or self-insured program and, to a lesser extent, a retrospectively rated or a guaranteed cost insurance policy. National Accounts also provides casualty products and services through retail brokers on an unbundled basis, using third-party administrators for insureds who utilize programs such as collateralized deductibles, captive reinsurers and self-insurance.

Within the Financial, Professional & International Insurance segment, Bond & Financial Products distributes the vast majority of its products in the United States through approximately 6,100 of the same independent agencies and brokers that distribute the Business Insurance segment's products. These independent agencies and brokers are located throughout the United States. Bond & Financial Products, in conjunction with the Business Insurance segment, continues to make investments in enhanced technology utilizing internet-based applications to provide real-time interface capabilities with its independent agencies and brokers. Bond & Financial Products builds relationships with well-established, independent insurance agencies and brokers. In selecting new independent agencies and brokers to distribute its products, Bond & Financial Products considers, among other attributes, each agency's or broker's profitability, financial stability, staff experience and strategic fit with its operating and marketing plans. Once an agency or broker is appointed, its ongoing performance is closely monitored. In addition, Bond & Financial Products sells its surety products through independent brokers in the United Kingdom.

Personal Insurance products are distributed primarily through approximately 11,500 active independent agencies located throughout the United States, supported by personnel in ten sales regions and seven service centers. While the principal markets for Personal Insurance products continue to be in states along the East Coast, California and Texas, the business continues to expand its geographic presence across the United States. See "Competition" below for a discussion of the Company's new private passenger automobile product, Quantum Auto 2.0.

In the opinion of the Company's management, no material part of the business of the Company and its subsidiaries is dependent upon a single customer or group of customers, the loss of any one of which would have a material adverse effect on the Company, and no one customer or group of affiliated customers accounts for 10% or more of the Company's consolidated revenues.


Travelers Companies Inc 's Comment on Sales, Marketing and Customers


Business Insurance distributes its products through approximately 10,500 independent agencies and brokers located throughout the United States that are serviced by 116 field offices and three customer service centers. Business Insurance continues to make significant investments in enhanced technology utilizing internet-based applications to provide real-time interface capabilities with independent agencies and brokers. Business Insurance builds relationships with well-established, independent insurance agencies and brokers. In selecting new independent agencies and brokers to distribute its products, Business Insurance considers, among other attributes, each agency's or broker's financial strength, staff experience and strategic fit with the Company's operating and marketing plans. Once an agency or broker is appointed, Business Insurance carefully monitors its performance. The majority of products offered by the Select Accounts, Commercial Accounts, Industry-Focused Underwriting and Target Risk Underwriting groups are distributed through a common base of independent agents and brokers, many of whom also sell the Company's Personal Insurance products. Additionally, the Industry-Focused Underwriting and Target Risk Underwriting groups may underwrite business with agents that specialize in servicing the needs of certain of the industries served by these groups.

Select Accounts is a leading provider of commercial property and casualty insurance products to small businesses, generally with fewer than 50 employees. Products offered by Select Accounts are guaranteed-cost policies, including packaged products covering property and liability exposures. Each small business risk is independently evaluated via an automated underwriting platform which in turn enables agents to quote, bind and issue a substantial amount of new small business risks at their desktop in an efficient manner that significantly reduces the time period between quoting a price on a new policy and issuing that policy. Risks with more complex characteristics are underwritten with the assistance of Company personnel. The automated underwriting platform has significantly streamlined the agent desktop underwriting process. Select Accounts has established a strong marketing relationship with its distribution network and has provided this network with defined underwriting policies, a broad array of products and competitive prices. In addition, the Company has established centralized service centers to help agents perform many service functions, in return for a fee.

Commercial Accounts sells a broad range of commercial property and casualty insurance products through a large network of independent agents and brokers, primarily targeting mid-sized businesses with 50 to 1,000 employees. The Company offers a full line of products to its Commercial Accounts customers with an emphasis on guaranteed cost programs. Each account is underwritten based on the unique risk characteristics, loss history and coverage needs of the account. The ability to underwrite at this detailed level allows Commercial Accounts to have a broad risk appetite and a diversified customer base.

National Accounts sells a variety of casualty products and services to large companies through a network of national and regional brokers, primarily utilizing loss-sensitive products in connection with a large deductible or self-insured program and, to a lesser extent, a retrospectively rated or a guaranteed cost insurance policy. National Accounts also provides casualty products and services through retail brokers on an unbundled basis, using third-party administrators for insureds who utilize programs such as collateralized deductibles, captive reinsurers and self-insurance.

Within the Financial, Professional & International Insurance segment, Bond & Financial Products distributes the vast majority of its products in the United States through approximately 6,100 of the same independent agencies and brokers that distribute the Business Insurance segment's products. These independent agencies and brokers are located throughout the United States. Bond & Financial Products, in conjunction with the Business Insurance segment, continues to make investments in enhanced technology utilizing internet-based applications to provide real-time interface capabilities with its independent agencies and brokers. Bond & Financial Products builds relationships with well-established, independent insurance agencies and brokers. In selecting new independent agencies and brokers to distribute its products, Bond & Financial Products considers, among other attributes, each agency's or broker's profitability, financial stability, staff experience and strategic fit with its operating and marketing plans. Once an agency or broker is appointed, its ongoing performance is closely monitored. In addition, Bond & Financial Products sells its surety products through independent brokers in the United Kingdom.

Personal Insurance products are distributed primarily through approximately 11,500 active independent agencies located throughout the United States, supported by personnel in ten sales regions and seven service centers. While the principal markets for Personal Insurance products continue to be in states along the East Coast, California and Texas, the business continues to expand its geographic presence across the United States. See "Competition" below for a discussion of the Company's new private passenger automobile product, Quantum Auto 2.0.

In the opinion of the Company's management, no material part of the business of the Company and its subsidiaries is dependent upon a single customer or group of customers, the loss of any one of which would have a material adverse effect on the Company, and no one customer or group of affiliated customers accounts for 10% or more of the Company's consolidated revenues.








TRV's vs. Customers, Data

(Revenue and Income for Trailing 12 Months, in Millions of $, except Employees)



COMPANY NAME MARKET CAP REVENUES INCOME EMPLOYEES
Travelers Companies inc 39,732 32,798 3,411 30,200
American International Group Inc 47,917 45,032 4,363 65,000
Aon Plc 68,080 11,773 2,142 69,000
Chubb Ltd 0 38,947 8,177 0
Cigna Corporation 70,117 166,769 8,187 37,200
Countrywide Financial Corporation 0 0 0 0
Marsh and Mclennan Companies Inc 81,557 18,529 2,524 57,000
Regions Financial Corporation 19,871 6,923 3,829 23,723
Safeco Corporation 0 0 0 0
Unum Group 5,008 13,335 702 9,500
Xl Fleet Corp 876 8,742 -10 4,663
Loews Corp 14,060 14,799 1,685 17,510
Berkshire Hathaway Inc 516,753 253,577 97,085 0
Genworth Financial Inc 1,831 8,709 1,137 5,300
Atlas Air Worldwide Holdings Inc 2,244 3,594 455 1,724
Bebe Stores, Inc. 494 498 -80 2,601
Capital Financial Holdings, Inc. 0 15 0 20
Partnerre Ltd 0 7,876 254 1,035
Reinsurance Group Of America Incorporated 7,480 16,042 828 2,201
Amerinst Insurance Group Ltd 0 16 -11 22
Arthur j Gallagher and Co 31,298 15,152 936 21,500
Brown and Brown Inc 16,317 2,859 570 7,807
Crawford and Co 250 1,052 52 8,941
Erie Indemnity Company 8,501 2,590 305 4,800
Corvel Corporation 3,277 576 55 3,508
Arch Capital Group Ltd 15,861 9,535 2,282 2,030
Amerisafe Inc 1,059 336 95 449
Employers Holdings Inc 1,118 708 145 716
Enstar Group Ltd 5,033 2,712 2,026 1,327
Essent Group Ltd 4,970 978 544 366
Aspen Insurance Holdings Limited 0 2,836 -40 0
Aspira Women s Health Inc 397 -1,278 -180 1,433
Axis Capital Holdings Ltd 3,864 5,119 296 1,225
Blue Capital Reinsurance Holdings Ltd. 62 35 -29 1
Emc Insurance Group Inc. 780 722 32 1
Endurance Specialty Holdings Ltd. 0 2,539 283 1,154
Global Indemnity Group Llc 396 640 -2 460
Greenlight Capital Re Ltd 247 578 64 30
Maiden Holdings Ltd 270 132 191 204
Markel Corporation 16,535 12,668 2,684 10,600
Oxbridge Re Holdings Limited 16 2 1 2
Everest Reinsurance Holdings Inc 10,165 8,088 891 1,207
Renaissancere Holdings Ltd 6,902 5,067 513 376
Rli Corp 4,606 1,153 281 902
Siriuspoint Ltd 1,498 1,663 406 0
Validus Holdings Ltd 5,393 2,817 -478 876
Alleghany Corp 8,737 10,769 970 3,135
Assured Guaranty ltd 3,568 1,020 355 300
Accuride Corp 0 0 0 2,290
Meritor Inc 1,558 3,646 146 8,400
American Axle and Manufacturing Holdings Inc 1,036 5,560 208 13,050
Dana Corporation 0 0 0 0
Dana Inc 3,351 8,570 205 22,600
Cooper standard Holdings Inc 393 2,582 -120 29,000
Fuel Systems Solutions, Inc. 0 0 0 1,300
Greenkraft, Inc. 2 1 0 18
Horizon Global Corp 238 799 -18 2,700
Superior Industries International Inc 48 1,360 5 3,050
Enerpulse Technologies, Inc. 0 0 0 8
Wabco Holdings Inc 7,013 3,234 199 12,429
Omnitek Engineering Corp 2 1 0 11
Titan International Inc 438 1,463 -22 600
Enpro Industries Inc 1,725 1,093 22 5,000
SUBTOTAL 1,003,212 734,552 145,139 470,305


       
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