-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Vrm65P6/GFlSsgtOmYzbguhSe0y8GkNQttM7lSqXkGx/b95UD1JartslgY3Zhodr
 zzEK5wMp8YXvohfCHIG3+w==

<SEC-DOCUMENT>0000086312-07-000169.txt : 20071115
<SEC-HEADER>0000086312-07-000169.hdr.sgml : 20071115
<ACCEPTANCE-DATETIME>20071115125850
ACCESSION NUMBER:		0000086312-07-000169
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20071114
FILED AS OF DATE:		20071115
DATE AS OF CHANGE:		20071115

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			TRAVELERS COMPANIES, INC.
		CENTRAL INDEX KEY:			0000086312
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				410518860
		STATE OF INCORPORATION:			MN
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		385 WASHINGTON ST
		CITY:			SAINT PAUL
		STATE:			MN
		ZIP:			55102
		BUSINESS PHONE:		6513107911

	MAIL ADDRESS:	
		STREET 1:		385 WASHINGTON STREET
		CITY:			ST. PAUL
		STATE:			MN
		ZIP:			55102

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ST PAUL TRAVELERS COMPANIES INC
		DATE OF NAME CHANGE:	20040401

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ST PAUL FIRE & MARINE INSURANCE CO/MD
		DATE OF NAME CHANGE:	19990219

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ST PAUL COMPANIES INC/MN/
		DATE OF NAME CHANGE:	19990219

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Spence Kenneth Franklin III
		CENTRAL INDEX KEY:			0001301246

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-10898
		FILM NUMBER:		071248690

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		651-310-8699

	MAIL ADDRESS:	
		STREET 1:		THE TRAVELERS COMPANIES INC
		STREET 2:		385 WASHINGTON STREET
		CITY:			SAINT PAUL
		STATE:			MN
		ZIP:			55102-1396
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2007-11-14</periodOfReport>

    <issuer>
        <issuerCik>0000086312</issuerCik>
        <issuerName>TRAVELERS COMPANIES, INC.</issuerName>
        <issuerTradingSymbol>TRV</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001301246</rptOwnerCik>
            <rptOwnerName>Spence Kenneth Franklin III</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>THE TRAVELERS COMPANIES, INC.</rptOwnerStreet1>
            <rptOwnerStreet2>385 WASHINGTON STREET</rptOwnerStreet2>
            <rptOwnerCity>ST. PAUL</rptOwnerCity>
            <rptOwnerState>MN</rptOwnerState>
            <rptOwnerZipCode>55102</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>EVP &amp; General Counsel</officerTitle>
            <otherText></otherText>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2007-11-14</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>M</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>1522</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>44.85</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>29596</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2007-11-14</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>1399</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>53.1627</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>28197</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>2327.32</value>
                    <footnoteId id="F1"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>401(k) Plan</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeTransaction>
            <securityTitle>
                <value>Stock Options (Right to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>44.85</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2007-11-14</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>M</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>1522</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>2001-03-13</value>
            </exerciseDate>
            <expirationDate>
                <value>2008-03-13</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1522</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>0</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">Includes common shares and shares of common stock that may be acquired upon the conversion of shares of Series B Preferred Stock, each of which is convertible into 8 shares of common stock.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>Bruce A. Backberg, by power of attorney</signatureName>
        <signatureDate>2007-11-15</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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