Travelers Companies

Travelers stands alone as the only pure-play P&C insurer in the Dow Jones Industrial Average, generating $42 billion revenue from Hartford, Connecticut. It leads in specialty lines like surety bonds and management liability, with a commercial market share that outpaces #8 Chubb by 15% in the US middle-market segment. Travelers achieved a 92% loss ratio on property insurance in 2023, compared to the industry average of 96%. This discipline in underwriting produces consistent return on equity of 12% annually.