Other

Claims and claim adjustment expense reserves

The Travelers Companies Claims and claim adjustment expense reserves increased by 2.6% to $65.74B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 2.6%, from $64.09B to $65.74B. Over 5 years (FY 2020 to FY 2025), Claims and claim adjustment expense reserves shows an upward trend with a 3.8% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.

Analysis

StatementBalance Sheet Statement
SectionOther
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ4 2016
Last reportedQ4 2025

How to read this metric

Significant increases may signal deteriorating loss trends or adverse development, while stable reserves relative to premiums suggest disciplined underwriting.

Detailed definition

Claims and claim adjustment expense reserves represent the estimated ultimate cost of settling all claims incurred but n...

Peer comparison

A fundamental metric for all insurance companies; compared via the loss reserve ratio relative to earned premiums.

Metric ID: other_supplementary_insurance_information_liability_for__5dc389

Historical Data

5 periods
 Q4 '21Q4 '22Q4 '23Q4 '24Q4 '25
Value$56.91B$58.65B$61.63B$64.09B$65.74B
QoQ Change+3.1%+5.1%+4.0%+2.6%
YoY Change+3.1%+5.1%+4.0%+2.6%
Range$56.91B$65.74B
CAGR+15.5%
Avg YoY Growth+3.7%
Median YoY Growth+3.5%
Current Streak4+ quarters growth

Business Segments

View all
SegmentQ4 '21Q4 '22Q4 '23Q4 '24Q4 '25
Business And International Insurance$45.36B$45.91B$47.74B$49.73B$51.66B
Personal Insurance$7.29B$8.25B$8.94B$8.99B$8.41B
Bond And Specialty Insurance$4.25B$4.48B$4.95B$5.37B$5.67B
Total$56.91B$58.65B$61.63B$64.09B$65.74B

Frequently Asked Questions

What is The Travelers Companies's claims and claim adjustment expense reserves?
The Travelers Companies (TRV) reported claims and claim adjustment expense reserves of $65.74B in Q4 2025.
How has The Travelers Companies's claims and claim adjustment expense reserves changed year-over-year?
The Travelers Companies's claims and claim adjustment expense reserves increased by 2.6% year-over-year, from $64.09B to $65.74B.
What is the long-term trend for The Travelers Companies's claims and claim adjustment expense reserves?
Over 5 years (2020 to 2025), The Travelers Companies's claims and claim adjustment expense reserves has grown at a 3.8% compound annual growth rate (CAGR), from $54.52B to $65.74B.
What does claims and claim adjustment expense reserves mean?
The total estimated amount of money the company expects to pay out for insurance claims that have already occurred.