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The Travelers Companies TRV Personal Insurance — Claims and claim adjustment expenses

Other segment segments

Business Insurance
$3.19B-11.0%
Bond & Specialty Insurance
$458M+9.6%

Similar metrics at other companies

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ALLProtection Services — Property and casualty insurance claims and claims expense
$198M+16.5%
RenaissanceRe Holdings logo
RNRProperty — Net claims and claim expenses incurred (Notes 5 and 6)
-$7.08M+10.7%
Allstate logo
ALLProperty and casualty insurance premiums — Property and casualty insurance claims and claims expense
$9.86B-3.8%
RenaissanceRe Holdings logo
RNRCasualty and Specialty — Net claims and claim expenses incurred (Notes 5 and 6)
$949.46M-9.6%
The Hanover Insurance Group logo
THGPersonal Lines — Policyholder Benefits And Claims Incurred Net
$408.4M-8.8%
Citizens logo
CIADomestic Insurance Segment — Claims and surrenders
$7.84M+34.8%

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:PolicyholderBenefitsAndClaimsIncurredNet.

The source filing: The Travelers Companies’s 10-Q, filed July 17, 2026.

Filed
Jul 17, 2026, 7:01 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000086312-26-000145
(for the three months ended June 30, in millions)Business InsuranceBond & Specialty InsurancePersonal InsuranceTotal Reportable Segments
Fee income1179126
Other revenues113625144
Total segment revenues (1)6,5431,1754,37512,093
Claims and claim adjustment expenses3,1884582,2765,922
Amortization of deferred acquisition costs9452046371,786
General and administrative expenses9122184221,552
Income tax expense30061213574
Segment income (1)$1,198$234$827$2,259

Item 1. FINANCIAL STATEMENTS

FAQ

What is The Travelers Companies's personal insurance — claims and claim adjustment expenses?
The Travelers Companies (TRV) reported personal insurance — claims and claim adjustment expenses of $2.28B in Q2 2026.
How has The Travelers Companies's personal insurance — claims and claim adjustment expenses changed year-over-year?
The Travelers Companies's personal insurance — claims and claim adjustment expenses decreased by 18.3% year-over-year, from $2.79B to $2.28B.
What is the long-term trend for The Travelers Companies's personal insurance — claims and claim adjustment expenses?
Over 3 years (2022 to 2025), The Travelers Companies's personal insurance — claims and claim adjustment expenses has grown at a 2.3% compound annual growth rate (CAGR), from $10.57B to $11.3B.
What does personal insurance — claims and claim adjustment expenses mean?
This represents the costs incurred by the personal insurance segment to settle claims and the associated expenses for investigating and processing those claims. It is the primary driver of the segment's loss ratio and a key indicator of underwriting discipline and risk selection quality. High values relative to premiums indicate potential issues with pricing or unexpected catastrophic loss events.

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