-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, QW4eYW/msRnA1M8WAjeh8Gkm8lPK/oY3l50FcgbqTQdjLxJgL78tUQQQ60tQ7YEM G2edyYa+MCrmWLkJLMGlCw== 0001104659-10-003441.txt : 20100128 0001104659-10-003441.hdr.sgml : 20100128 20100128084849 ACCESSION NUMBER: 0001104659-10-003441 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 1 CONFORMED PERIOD OF REPORT: 20100128 ITEM INFORMATION: Regulation FD Disclosure FILED AS OF DATE: 20100128 DATE AS OF CHANGE: 20100128 FILER: 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 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-10898 FILM NUMBER: 10552024 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 8-K 1 a10-2633_18k.htm 8-K

 

 

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 8-K

 

CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

 

Date of Report (Date of earliest event reported): January 28, 2010

 

The Travelers Companies, Inc.

(Exact name of registrant as specified in its charter)

 

Minnesota

 

001-10898

 

41-0518860

(State or other jurisdiction of
incorporation)

 

(Commission File Number)

 

(IRS Employer Identification
Number)

 

485 Lexington Avenue
New York, New York

 

10017

(Address of principal executive offices)

 

(Zip Code)

 

(917) 778-6000

(Registrant’s telephone number, including area code)

 

Not Applicable

(Former name or former address, if changed since last report)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

 

o    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

o    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

 

o    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

o    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

 

 


 

Item 7.01.  Regulation FD Disclosure

 

On January 26, 2010, The Travelers Companies, Inc. (the “Company”) held its regularly scheduled conference call regarding its financial results for the fourth quarter and full year 2009.  During the call, a participant asked, “. . . what’s happening with loss cost trends in the commercial lines of business?”  The Company does not have a reporting segment called “commercial lines”, and as a consequence would not have responded on that basis.  In response to the question, the Company responded with respect to the entire company, saying, in part, “ . .. . what’s embedded in our guidance would be a very modest deterioration in the loss and [loss adjustment expense] component.”  In light of the fact that the question was asked with respect to “commercial lines” and answered with respect to the entire company, the Company seeks to affirm the statement and clarify that it in fact related to the entire company.

 

For additional information, please refer to the Form 8-K, including the Company’s earnings press release and financial supplement for the fourth quarter and full year 2009, filed by the Company on January 26, 2010 with the Securities and Exchange Commission and the related webcast presentation which is available for review/replay on the Company’s website under the Investor section (www.travelers.com).

 

Glossary

 

The term “loss” is defined as an occurrence that is the basis for submission and/or payment of a claim.  Losses may be covered, limited or excluded from coverage, depending on the terms of the policy.  The term “loss adjustment expense” is defined as the expenses of settling claims, including legal and other fees and the portion of general expenses allocated to claim settlement costs.

 

Forward-Looking Statements

 

The outlook herein regarding loss and loss adjustment expense is forward looking within the meaning of the Private Securities Litigation Reform Act of 1995.  Actual results may differ substantially, and we undertake no obligation to update forward looking statements.  For a discussion of factors that could cause actual results to differ, please see the information under the caption “Forward Looking Statement” in Exhibit 99.1 included in our Form 8-K filed on January 26, 2010 with the SEC, under the caption “Risk Factors” in our most recent annual report on Form 10-K filed with the SEC and under the caption “Management’s Discussion and Analysis of Financial Condition and Results of Operations” in our most recent annual report on Form 10-K and our quarterly report on Form 10-Q filed with the SEC.

 

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SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

 

Date:       January 28, 2010

THE TRAVELERS COMPANIES, INC.

 

 

 

 

By:  

/s/ Matthew S. Furman

 

 

Name: 

Matthew S. Furman

 

 

Title:

Senior Vice President

 

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