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The Travelers Companies TRV General Liability — Claims and claim adjustment expense reserves

Other product segments

Automobile
$10.36B+6.7%
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%

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$72.05B+2.2%
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$109M-1.8%

Other financials

Income statement

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Revenue$12.2B+0.3%
Net income$2.2B+46.3%
EPS (diluted)$10.26+57.1%

Balance sheet

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Cash & equivalents$621.0M-5.8%
Total debt$9.1B+12.9%
Total equity$33.1B+12.2%
Total assets$143.58B+3.4%

Cash flow

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Operating cash flow$1.9B-17.9%

Valuation

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Market cap$80.16B+34.7%
Enterprise value$88.6B+32.5%
P/E9.7×-1.7×
P/S1.6×+0.4×

Profitability

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Net margin17%+6.0pp

Returns & leverage

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Return on equity26.5%+7.2pp
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 source filing: The Travelers Companies’s 10-K, filed February 12, 2026.

Filed
Feb 12, 2026, 6:51 AM EST
Fiscal year
FY2025
Accession
0000086312-26-000065
As of December 31,20252024
Assets held for sale4,550
Total assets$143,708$133,189
Liabilities
Claims and claim adjustment expense reserves$65,737$64,093
Unearned premium reserves22,43122,289
Contractholder payables3,0263,189
Payables for reinsurance premiums529550
Debt9,2678,033

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is The Travelers Companies's general liability — claims and claim adjustment expense reserves?
The Travelers Companies (TRV) reported general liability — claims and claim adjustment expense reserves of $16.77B in Q4 2025.
How has The Travelers Companies's general liability — claims and claim adjustment expense reserves changed year-over-year?
The Travelers Companies's general liability — claims and claim adjustment expense reserves increased by 10.8% year-over-year, from $15.14B to $16.77B.
What does general liability — claims and claim adjustment expense reserves mean?
This is the total provision set aside to cover the costs of settling claims and the associated administrative expenses for the general liability segment. It encompasses both known reported claims and estimates for claims incurred but not yet reported.

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