Schedule III

12 Months Ended

Dec. 31, 2011

SCHEDULE III

THE TRAVELERS COMPANIES, INC. AND SUBSIDIARIES
Supplementary Insurance Information
2009-2011
(in millions)

Segment	Deferred Acquisition Costs		Claims and Claim Adjustment Expense Reserves		Unearned Premiums		Earned Premiums		Net Investment Income(1)		Claims and Claim Adjustment Expenses		Amortization of Deferred Acquisition Costs		Other Operating Expenses(2)		Net Written Premiums

2011
Business Insurance	$	816	$	40,129	$	5,482	$	11,327	$	2,041	$	8,447	$	1,815	$	1,944	$	11,340
Financial, Professional & International Insurance		332		6,857		2,043		3,174		414		1,487		603		648		3,102
Personal Insurance		638		4,367		3,577		7,589		424		6,342		1,458		908		7,745

Total—Reportable Segments		1,786		51,353		11,102		22,090		2,879		16,276		3,876		3,500		22,187
Other		—		66		—		—		—		—		—		442		—

Consolidated	$	1,786	$	51,419	$	11,102	$	22,090	$	2,879	$	16,276	$	3,876	$	3,942	$	22,187

2010
Business Insurance	$	806	$	40,318	$	5,364	$	10,766	$	2,156	$	6,504	$	1,749	$	1,904	$	10,857
Financial, Professional & International Insurance		352		6,999		2,139		3,317		439		1,700		612		608		3,211
Personal Insurance		624		4,220		3,418		7,349		464		5,006		1,441		867		7,567
Total—Reportable Segments		1,782		51,537		10,921		21,432		3,059		13,210		3,802		3,379		21,635
Other		—		69		—		—		—		—		—		415		—

Consolidated	$	1,782	$	51,606	$	10,921	$	21,432	$	3,059	$	13,210	$	3,802	$	3,794	$	21,635

2009
Business Insurance	$	791	$	42,103	$	5,380	$	10,968	$	1,902	$	6,037	$	1,775	$	1,966	$	10,902
Financial, Professional & International Insurance		369		7,197		2,276		3,333		452		1,747		622		579		3,285
Personal Insurance		598		4,229		3,205		7,117		422		4,624		1,416		784		7,149

Total—Reportable Segments		1,758		53,529		10,861		21,418		2,776		12,408		3,813		3,329		21,336
Other		—		73		—		—		—		—		—		419		—

Consolidated	$	1,758	$	53,602	$	10,861	$	21,418	$	2,776	$	12,408	$	3,813	$	3,748	$	21,336

(1): See note 2 to the consolidated financial statements for discussion of the method used to allocate net investment income and invested assets to the identified segments.
(2): Expense allocations are determined in accordance with prescribed statutory accounting practices. These practices make a reasonable allocation of all expenses to those product lines with which they are associated.

- Definition

The entire disclosure for required supplementary insurance information giving segment detail in support of various balance sheet and income statement captions. The balance sheet information generally is presented as of the date of each audited balance sheet filed, and the income statement information generally is presented for each period for which an audited income statement is required to be filed. Supplementary insurance information table includes segment name; deferred policy acquisition costs; future policy benefits, losses, claims and loss expenses; unearned premiums; other policy claims and benefits payable; premium revenue; net investment income; benefits, claims, losses and settlement expenses; amortization of deferred policy acquisition costs; other operating expenses; and premiums written.

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