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Travelers Companies inc   (TRV)
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Travelers Companies inc Segments

 
Commercial
   62.59 % of total Revenue
Specialty
   8.84 % of total Revenue
Personal
   28.57 % of total Revenue
Premiums
   53.91 % of total Revenue
Net investment
   6.95 % of total Revenue
Fee income
   1.65 % of total Revenue
Other revenues
   0.07 % of total Revenue
 

Business Segments (Sep. 30, 2015)
Revenues
(in millions $)
III. Quarter
%
(of total Revenues)
(Sep. 30, 2015)
Income
(in millions $)
III. Quarter
%
(Profit Margin)
Commercial
4,241.00 62.59 % 546.00 12.87 %
Specialty
599.00 8.84 % 196.00 32.72 %
Personal
1,936.00 28.57 % 241.00 12.45 %
Premiums
3,653.00 53.91 % 0.00 -
Net investment
471.00 6.95 % 0.00 -
Fee income
112.00 1.65 % 0.00 -
Other revenues
5.00 0.07 % 0.00 -
Total
6,776.00 100 % 983.00 14.51 %

• View Income Statement • View Competition by Segment • View Annual Report

Growth rates by Segment (Sep. 30, 2015)
Y/Y Revenue
%
III. Quarter
Q/Q Revenue
%
(Sep. 30, 2015)
Y/Y Income
%
III. Quarter
Q/Q Income
%
Commercial
-2.21 % 0.69 % -1.09 % 0.55 %
Specialty
0.5 % 2.22 % 18.79 % 29.8 %
Personal
1.2 % 2 % 0.84 % 38.51 %
Premiums
-38.94 % 1.22 % - -
Net investment
-34.49 % -3.29 % - -
Fee income
1.82 % 0.9 % - -
Other revenues
-85.29 % 0 % - -
Total
-1.02 % 1.19 % 2.82 % 13.25 %

• View Growth rates • View Competitors Segment Growth • View Market Share

To get more information on Travelers Companies Inc 's Commercial, Specialty, Personal, Premiums, Net investment, Fee income, Other revenues, Total segment. Select each division with the arrow.

  Travelers Companies Inc 's

Business Segments Description



COMMERCIAL

The Commercial segment offers a broad array of property and casualty insurance and insurance-related services to its clients. Commercial is organized into three marketing and underwriting groups, each of which focuses on a particular client base:

Commercial Accounts serves primarily mid-sized businesses for casualty products and large and mid-sized businesses for property products.

Select Accounts serves small businesses and offers property, liability, commercial auto and workers' compensation insurance.

National Accounts provides casualty products and services to large companies, with particular emphasis on workers' compensation, general liability and automobile liability. National Accounts also includes the Company's residual market business, which primarily offers workers' compensation products and services to the involuntary market.

Commercial also includes the Special Liability Group (which manages the Company's asbestos and environmental liabilities); the reinsurance, health care, and certain international runoff operations; and policies written by the Company's subsidiary Gulf Insurance Company (Gulf), which was placed into runoff during the second quarter of the year. These operations are collectively referred to as Commercial Other.

SPECIALTY

The Specialty segment was created upon the merger of TPC and SPC. It combined SPC's specialty operations with TPC's Bond and Construction operations, which were included in TPC's Commercial segment prior to the merger. The Specialty segment provides a full range of standard and specialized insurance coverages and services through dedicated underwriting, claims handling and risk management groups. In many of its businesses, Specialty competes through the use of proprietary rates and policy forms. The segment comprises two primary groups: Domestic Specialty and International Specialty.

Domestic Specialty includes the following marketing and underwriting organizations, each of which possesses customer expertise and offers products and services to address its respective customers' specific needs:

Bond provides a wide range of customers with specialty products built around the Company's market leading surety bond business along with an expanding executive liability practice for middle and small market private accounts and not-for-profit accounts. Bond's range of products includes fidelity and surety bonds, directors' and officers' liability insurance, errors and omissions insurance, professional liability insurance, employment practices liability insurance, fiduciary liability insurance, and other related coverages.

Construction offers a variety of products and services, including traditional insurance, consisting of workers' compensation, general liability and commercial auto coverages, and other risk management solutions, to a broad range of contractors. The focus is on a long-term commitment to the construction industry, offering guaranteed cost products for smaller and mid-sized policyholders and loss sensitive programs for larger accounts where the customer and the Company work together in actively managing and controlling exposure and claims and where they share risk through policy features such as small and large deductibles or retrospective rating.

Financial and Professional Services provides professional liability and management liability coverages for public corporations against losses caused by the negligence or misconduct of named directors and officers, errors and omissions coverages for a variety of professionals such as lawyers, insurance agents and real estate agents for liability from errors and omissions committed in the course of professional conduct or practice, and a full range of insurance coverages including property, auto, liability, fidelity and professional liability coverages for financial institutions.

Index to Financial Statements

Specialty also includes several other underwriting groups that provide unique combinations of insurance coverage, risk management, claims handling and other services for a targeted client's needs. Included in “Other Domestic Specialties” are the following business units:

Technology offers a well-balanced comprehensive portfolio of specialty products and services to companies involved in telecommunications, information technology, medical technology and electronics manufacturing. These products include property, commercial auto, general liability, workers' compensation, umbrella, internet liability, technology errors and omissions coverages and global companion products.

Public Sector Services markets insurance products and services to public entities including municipalities, counties, Indian Nation gaming and selected special government districts such as water and sewer utilities. The policies written by this business group typically cover property, commercial auto, general liability and errors and omissions exposures.

Ocean Marine underwrites a diverse portfolio of coverages for all forms of marine transportation and the companies that serve them, as well as other businesses involved in international trade. The Company's product offerings fall under six main coverage categories: marine liability, cargo, hull and machinery, protection and indemnity, pleasure craft, and marine property and liability.

Oil and Gas provides specialized property and liability products and services for customers involved in the exploration and production of oil and natural gas including operators and drilling contractors as well as various service and supply companies and manufacturers that support upstream operations. The policies written by this business group insure drilling rigs, natural gas facilities, and production and gathering platforms, and cover risks including physical damage, liability and business interruption.

Underwriting Facilities underwrites liability and property facilities produced by wholesalers and managing general agents (MGAs). MGAs are licensed insurance agents that manage customers with unique requirements, primarily those with moderate- to high-hazard exposures requiring expertise in the surplus lines marketplace and the ability to use policy forms not subject to regulatory requirements. Coverages include property, commercial auto and general liability.

Umbrella/Excess and Surplus Group , which consists of two distinct business units:

 

Specialty Excess and Umbrella (SEU) focuses on umbrella and excess liability business for retail agents and brokers, where other insurance companies are providing the primary coverage. This group also provides coverages in the case where other Company business groups prefer to outsource the underwriting of umbrella and excess business based on the expertise and/or limit capacity of SEU. The coverages underwritten are typically commercial auto, general liability and product liability. Umbrella coverage may also be underwritten over a company that retains risk or has a self-insured retention, instead of a scheduled underlying policy.

 

Excess & Surplus Lines (E&S Lines) offers mono-line umbrella and excess coverage where the Company does not write the primary casualty coverage, or where other business groups within the Company prefer to outsource the underwriting of umbrella and excess business based on the expertise and/or limit capacity of E&S Lines. Business is written on a non-admitted basis through established wholesalers. The coverages typically underwritten include commercial auto, general liability and product liability.

Discover Re principally provides commercial auto liability, general liability, workers' compensation and property coverages. It serves retail brokers and insureds that utilize the alternative risk transfer market. Alternative risk transfer techniques are typically utilized by sophisticated insureds that are financially able to assume a substantial portion of their own losses.

Personal Catastrophe Risk underwrites personal property coverages in certain states exposed to earthquakes and hurricanes, including principally California, Texas and Florida. As with the Company's commercial catastrophe risk coverages underwritten in the Commercial segment, a single loss event

PERSONAL

Personal writes virtually all types of property and casualty insurance covering personal risks. These products are distributed through independent agents, sponsoring organizations such as employee and affinity groups, and joint marketing arrangements with other insurers.

   

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