Business Segments · Claims and claim adjustment expense reserves
Personal Insurance — Claims and claim adjustment expense reserves
The Travelers Companies Personal Insurance — Claims and claim adjustment expense reserves decreased by 6.5% to $8.41B in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 6.5%, from $8.99B to $8.41B. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ4 2016
Last reportedQ4 2025
Rolls up toClaims and claim adjustment expense reserves
How to read this metric
An increase may signal rising claim severity or frequency, while a decrease could reflect improved loss experience or changes in actuarial assumptions.
Detailed definition
This represents the estimated liability for claims that have been reported but not yet settled, as well as claims that h...
Peer comparison
Standard liability metric for all insurance carriers; peers report this as Loss and LAE Reserves.
Metric ID:
trv_segment_personal_insurance_claims_and_claim_adjustment_expense_reservesHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | $7.29B | $8.25B | $8.94B | $8.99B | $8.41B |
| QoQ Change | — | +13.2% | +8.3% | +0.6% | -6.5% |
| YoY Change | — | +13.2% | +8.3% | +0.6% | -6.5% |
Range$7.29B – $8.99B
CAGR+15.3%
Avg YoY Growth+3.9%
Median YoY Growth+4.5%
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Frequently Asked Questions
- What is The Travelers Companies's personal insurance — claims and claim adjustment expense reserves?
- The Travelers Companies (TRV) reported personal insurance — claims and claim adjustment expense reserves of $8.41B in Q4 2025.
- How has The Travelers Companies's personal insurance — claims and claim adjustment expense reserves changed year-over-year?
- The Travelers Companies's personal insurance — claims and claim adjustment expense reserves decreased by 6.5% year-over-year, from $8.99B to $8.41B.
- What does personal insurance — claims and claim adjustment expense reserves mean?
- The total estimated amount the company expects to pay for future insurance claims.