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The Travelers Companies TRV Automobile — Claims and claim adjustment expense reserves

Other product segments

General Liability
$16.77B+10.8%
Other Insurance Contracts
$7.32B+8.2%
Unallocated Loss Adjustment Expense Reserve
$3.08B+6.3%
Structured Settlement Annuity
$2.43B-6.0%
Other Including Impacts Of Retroactive Reinsurance
$15M-62.5%

Similar metrics at other companies

Hagerty logo
HGTYAuto — Reserves for unpaid losses and loss adjustment expenses
$168.52M+0.1%
Freedom Holding logo
FRHCMotor Vehicle — Reserves for claims and claims' adjustment expenses
$2.43M-34.3%
Freedom Holding logo
FRHCVehicle Owners — Reserves for claims and claims' adjustment expenses
$14.03M+88.1%
Old Republic International logo
ORICommercial Automobile — Net claim and allocated loss adjustment expense reserves
$2.21B+10.6%
Freedom Holding logo
FRHCAccident Insurance — Reserves for claims and claims' adjustment expenses
$438K-96.4%
W.R. Berkley logo
WRBAuto — Reserves for loss and loss adjustment expenses before 2016, net of reinsurance
$5.04M+120%

Other financials

Income statement

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Revenue$11.9B+1.0%
Net income$1.7B+333%
EPS (diluted)$7.78+358%

Balance sheet

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Cash & equivalents$615.0M-15.1%
Total debt$9.3B+15.4%
Total equity$32.0B+13.5%
Total assets$142.31B+4.7%

Cash flow

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Operating cash flow$2.2B+61.6%

Valuation

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Market cap$68.2B+13.6%
Enterprise value$76.86B+14.1%
P/E-5.1×
P/S1.4×+0.1×

Profitability

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Net margin15.5%+6.5pp

Returns & leverage

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Return on equity25.3%+9.2pp
Debt / equity0.3×0.0×

Where this comes from

Reported directly by The Travelers Companies in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForClaimsAndClaimsAdjustmentExpense.

The official record: The Travelers Companies’s 10-K, filed February 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is The Travelers Companies's automobile — claims and claim adjustment expense reserves?
The Travelers Companies (TRV) reported automobile — claims and claim adjustment expense reserves of $10.36B in Q4 2025.
How has The Travelers Companies's automobile — claims and claim adjustment expense reserves changed year-over-year?
The Travelers Companies's automobile — claims and claim adjustment expense reserves increased by 6.7% year-over-year, from $9.71B to $10.36B.
What does automobile — claims and claim adjustment expense reserves mean?
This represents the total provision set aside by the automobile segment to cover future payments for claims and the associated costs of investigating and settling those claims. It encompasses both case-specific reserves and actuarial estimates for future development. This reserve is fundamental to the solvency and financial stability of the insurance segment.