Insurance Claim Reserves (tables)

12 Months Ended

Dec. 31, 2016

Insurance Claim Reserves disclosure

Claims and claim adjustment expense reserves [Table Text Block]

(at December 31, in millions)	2016		2015
Property-casualty	$	47,929	$	48,272
Accident and health	20		23
Total	$	47,949	$	48,295

Reconciliation of beginning and ending property casualty reserve balances for claims and claim adjustment expenses [Table Text Block]

(at and for the year ended December 31, in millions)	2016			2015			2014
Claims and claim adjustment expense reserves at beginning of year	$	48,272		$	49,824		$	50,865
Less reinsurance recoverables on unpaid losses	8,449			8,788			9,280
Net reserves at beginning of year	39,823			41,036			41,585
Estimated claims and claim adjustment expenses for claims arising in the current year	15,675			14,471			14,688
Estimated decrease in claims and claim adjustment expenses for claims arising in prior years	(680		)	(817		)	(885		)
Total increases	14,995			13,654			13,803
Claims and claim adjustment expense payments for claims arising in:
Current year	6,220			5,725			5,895
Prior years	8,576			8,749			8,171
Total payments	14,796			14,474			14,066
Acquisition (1)	—			2			—
Unrealized foreign exchange gain	(74		)	(395		)	(286		)
Net reserves at end of year	39,948			39,823			41,036
Plus reinsurance recoverables on unpaid losses	7,981			8,449			8,788
Claims and claim adjustment expense reserves at end of year	$	47,929		$	48,272		$	49,824

(1) Amount represents acquired net claims and claim adjustment expense reserves of Travelers Participações em Seguros Brasil S.A. at October 1, 2015.

Summary of claims and claim adjustment expense reserves, including certain components, for the Company's major product lines by reporting segment [Table Text Block]

At December 31, 2016 (in millions)	Net Undiscounted Claims and Claim Adjustment Expense Reserves		Discount (Net of Reinsurance)			Subtotal: Net Claims and Allocated Claim Adjustment Expense Reserves		Reinsurance Recoverables on Unpaid Losses		Claims and Claim Adjustment Expense Reserves
Business Insurance
General liability	$	7,034	$	(168	)	$	6,866	$	712	$	7,578
Commercial property	866		—			866		194		1,060
Commercial multi-peril	3,414		—			3,414		81		3,495
Commercial automobile	2,270		—			2,270		256		2,526
Workers’ compensation (1)	15,439		(832		)	14,607		729		15,336
Bond & Specialty Insurance
General liability	2,042		—			2,042		82		2,124
Fidelity and surety	450		—			450		17		467
Personal Insurance
Automobile	2,277		—			2,277		465		2,742
Homeowners (excluding Other)	742		—			742		2		744
International - Canada	776		—			776		20		796
Subtotal — claims and allocated claim adjustment expenses for the products presented in the development tables below	35,310		(1,000		)	34,310		2,558		36,868
Other insurance contracts (2)	3,661		(3		)	3,658		2,195		5,853
Unallocated loss adjustment expense reserves	1,936		—			1,936		40		1,976
Structured settlements (3)	—		—			—		3,168		3,168
Other	44		—			44		20		64
Total property-casualty	40,951		(1,003		)	39,948		7,981		47,929
Accident and health	—		—			—		20		20
Total	$	40,951	$	(1,003	)	$	39,948	$	8,001	$	47,949

(1) Net discount amount includes discount of $80 million on reinsurance recoverables for long-term disability and annuity claim payments.

(2) Primarily includes residual market, international (other than operations in Canada within the Personal Insurance segment) and runoff assumed reinsurance business.

(3) Includes structured settlements in cases where the Company did not receive a release from the claimant.

Allocated claim adjustment expense, by accident year, on a historical basis for incurred and paid claims on an undiscounted, net of reinsurance basis [Table Text Block]

Business Insurance

General Liability

(dollars in millions)

	For the Years Ended December 31,																				IBNR		Cumulative
	2007		2008		2009		2010		2011		2012		2013		2014		2015		2016		Reserves		Number of
Accident	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance																				Dec. 31,		Reported
Year	Unaudited																				2016		Claims
2007	$	1,136	$	1,162	$	1,087	$	1,089	$	968	$	919	$	888	$	883	$	865	$	824	$	78	23,840
2008			1,143		1,209		1,222		1,079		1,041		994		946		931		935		88		25,385
2009					1,060		1,071		1,028		960		869		837		809		796		95		25,457
2010							1,028		1,031		1,021		959		927		912		918		108		27,678
2011									1,004		1,074		1,065		998		972		935		146		27,210
2012											989		985		935		913		892		184		24,384
2013													965		975		958		940		256		21,836
2014															976		989		983		438		20,926
2015																	998		956		592		18,771
2016																			1,075		908		13,810
																	Total		$	9,254

Accident	Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
Year	Unaudited
2007	$	32	$	134	$	316	$	467	$	549	$	632	$	682	$	697	$	713		$	726
2008			35		154		359		497		615		694		734		759			799
2009					35		167		314		446		543		613		643			667
2010							35		139		324		487		629		702			756		Liability for Claims
2011									47		187		355		539		660			725		And Allocated Claim
2012											32		150		295		489			589		Adjustment Expenses,
2013													35		175		363			498		Net of Reinsurance
2014															37		163			321
2015																	36			137		2007 -		Before
2016																				35		2016		2007
																	Total			$	5,253	$	4,001	$	3,033
																			Total net liability					$	7,034

	Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5		6		7		8		9		10
	3.9	%	13.3	%	19.1	%	17.6	%	12.4	%	8.4	%	5.0	%	2.5	%	3.1	%	1.6	%

Commercial Property

(dollars in millions)

	For the Years Ended December 31,
	2012		2013		2014		2015		2016		IBNR		Cumulative
	Incurred Claims and Allocated Claims Adjustment										Reserves		Number of
Accident	Expenses, Net of Reinsurance										Dec. 31,		Reported
Year	Unaudited										2016		Claims
2012	$	1,054	$	988	$	924	$	889	$	895	$	13	28,183
2013			789		755		737		731		10		22,141
2014					936		860		836		15		21,490
2015							786		750		28		19,859
2016									896		131		19,327
							Total		$	4,108

	Cumulative Paid Claims and Allocated Claim
Accident	Adjustment Expenses, Net of Reinsurance
Year	Unaudited											Liability for Claims
												And Allocated Claim
2012	$	453	$	770	$	845	$	865		$	872	Adjustment Expenses,
2013			389		610		683			703		Net of Reinsurance
2014					464		710			775
2015							376			615		2012 -		Before
2016										441		2016		2012
							Total			$	3,406	$	702	$	164
									Total net liability					$	866

	Average Annual Percentage Payout of Incurred
	Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5
	51.7	%	31.8	%	8.7	%	2.5	%	0.8	%

Commercial Multi-Peril

(dollars in millions)

	For the Years Ended December 31,																				IBNR		Cumulative
	2007		2008		2009		2010		2011		2012		2013		2014		2015		2016		Reserves		Number of
Accident	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance																				Dec. 31,		Reported
Year	Unaudited																				2016		Claims
2007	$	1,490	$	1,430	$	1,364	$	1,402	$	1,398	$	1,375	$	1,373	$	1,369	$	1,376	$	1,369	$	51	96,767
2008			1,725		1,674		1,683		1,688		1,674		1,684		1,674		1,688		1,681		47		108,382
2009					1,484		1,506		1,501		1,498		1,511		1,514		1,514		1,509		42		103,198
2010							1,711		1,826		1,832		1,861		1,895		1,892		1,898		51		111,586
2011									2,235		2,244		2,269		2,286		2,296		2,287		66		125,358
2012											1,885		1,883		1,903		1,888		1,888		88		104,419
2013													1,615		1,623		1,620		1,609		122		82,936
2014															1,663		1,627		1,625		193		76,833
2015																	1,568		1,625		354		68,278
2016																			1,662		658		56,471
																	Total		$	17,153

Accident	Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
Year	Unaudited
2007	$	498	$	824	$	982	$	1,110	$	1,208	$	1,256	$	1,278	$	1,296	$	1,307		$	1,312
2008			712		1,103		1,264		1,396		1,490		1,551		1,581		1,602			1,617
2009					603		958		1,121		1,264		1,360		1,408		1,436			1,449
2010							709		1,180		1,395		1,579		1,698		1,763			1,798		Liability for Claims
2011									1,060		1,573		1,803		1,979		2,088			2,156		And Allocated Claim
2012											795		1,246		1,424		1,590			1,699		Adjustment Expenses,
2013													644		987		1,167			1,304		Net of Reinsurance
2014															628		956			1,154
2015																	595			970		2007 -		Before
2016																				585		2016		2007
																	Total			$	14,044	$	3,109	$	305
																			Total net liability					$	3,414

	Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5		6		7		8		9		10
	39.5	%	22.9	%	10.8	%	8.8	%	6.0	%	3.3	%	1.8	%	1.1	%	0.9	%	0.4	%

Commercial Automobile

(dollars in millions)

	For the Years Ended December 31,
	2012		2013		2014		2015		2016		IBNR		Cumulative
	Incurred Claims and Allocated Claims Adjustment										Reserves		Number of
Accident	Expenses, Net of Reinsurance										Dec. 31,		Reported
Year	Unaudited										2016		Claims
2012	$	1,294	$	1,350	$	1,327	$	1,325	$	1,337	$	35	214,780
2013			1,235		1,236		1,240		1,245		67		197,041
2014					1,165		1,166		1,168		131		184,067
2015							1,198		1,215		246		179,963
2016									1,290		516		173,790
							Total		$	6,255

	Cumulative Paid Claims and Allocated Claim
Accident	Adjustment Expenses, Net of Reinsurance
Year	Unaudited											Liability for Claims
												And Allocated Claim
2012	$	467	$	753	$	960	$	1,134		$	1,235	Adjustment Expenses,
2013			435		675		884			1,039		Net of Reinsurance
2014					397		618			821
2015							409			658		2012 -		Before
2016										416		2016		2012
							Total			$	4,169	$	2,086	$	184
									Total net liability					$	2,270

	Average Annual Percentage Payout of Incurred
	Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5
	34.0	%	20.0	%	16.6	%	12.7	%	7.6	%

Workers’ Compensation

(dollars in millions)

	For the Years Ended December 31,																				IBNR		Cumulative
	2007		2008		2009		2010		2011		2012		2013		2014		2015		2016		Reserves		Number of
Accident	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance																				Dec. 31,		Reported
Year	Unaudited																				2016		Claims
2007	$	1,554	$	1,519	$	1,484	$	1,448	$	1,390	$	1,373	$	1,358	$	1,340	$	1,328	$	1,341	$	217	103,064
2008			1,714		1,745		1,734		1,683		1,639		1,634		1,621		1,617		1,617		237		107,565
2009					1,799		1,778		1,746		1,753		1,753		1,766		1,775		1,750		272		104,229
2010							1,886		2,042		2,035		2,056		2,049		2,052		2,055		354		116,837
2011									2,284		2,303		2,347		2,350		2,379		2,385		430		135,061
2012											2,447		2,456		2,457		2,456		2,445		519		133,417
2013													2,553		2,545		2,540		2,506		651		128,111
2014															2,554		2,553		2,547		839		123,110
2015																	2,644		2,585		1,142		120,681
2016																			2,768		1,651		108,357
																	Total		$	21,999

Accident	Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
Year	Unaudited
2007	$	216	$	450	$	589	$	683	$	747	$	802	$	845	$	880	$	910		$	936
2008			274		571		752		875		961		1,036		1,088		1,130			1,162
2009					288		623		828		961		1,065		1,137		1,193			1,235
2010							341		750		978		1,133		1,246		1,321			1,385		Liability for Claims
2011									420		911		1,185		1,365		1,487			1,583		And Allocated Claim
2012											443		940		1,217		1,394			1,536		Adjustment Expenses,
2013													458		954		1,237			1,413		Net of Reinsurance
2014															455		944			1,224
2015																	430			893		2007 -		Before
2016																				421		2016		2007
																	Total			$	11,788	$	10,211	$	5,228
																			Total net liability					$	15,439

	Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5		6		7		8		9		10
	17.0	%	19.2	%	11.2	%	7.4	%	5.4	%	4.1	%	3.2	%	2.5	%	2.1	%	1.9	%

Bond & Specialty Insurance

General Liability

(dollars in millions)

	For the Years Ended December 31,																				IBNR		Cumulative
	2007		2008		2009		2010		2011		2012		2013		2014		2015		2016		Reserves		Number of
Accident	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance																				Dec. 31,		Reported
Year	Unaudited																				2016		Claims
2007	$	584	$	571	$	638	$	582	$	551	$	511	$	479	$	467	$	462	$	454	$	4	11,018
2008			579		769		743		697		716		712		672		643		631		24		6,463
2009					592		624		665		686		680		660		655		641		24		6,287
2010							571		612		679		679		661		668		653		18		5,655
2011									565		596		639		632		601		545		34		5,191
2012											538		591		614		605		601		137		4,824
2013													510		565		606		630		204		4,371
2014															549		571		563		232		4,182
2015																	528		524		272		3,814
2016																			512		405		2,676
																	Total		$	5,754

Accident	Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
Year	Unaudited
2007	$	35	$	134	$	229	$	303	$	357	$	373	$	393	$	400	$	410		$	415
2008			47		157		281		387		471		529		562		579			590
2009					36		167		310		390		460		497		563			592
2010							33		152		291		396		482		565			597		Liability for Claims
2011									33		143		249		324		414			447		And Allocated Claim
2012											38		160		255		342			383		Adjustment Expenses,
2013													34		154		252			352		Net of Reinsurance
2014															38		150			239
2015																	38			141		2007 -		Before
2016																				30		2016		2007
																	Total			$	3,786	$	1,968	$	74
																			Total net liability					$	2,042

	Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5		6		7		8		9		10
	6.3	%	19.7	%	18.8	%	15.1	%	12.1	%	7.5	%	6.2	%	3.0	%	1.9	%	1.1	%

Fidelity and Surety

(dollars in millions)

	For the Years Ended December 31,
	2012		2013		2014		2015		2016		IBNR		Cumulative
	Incurred Claims and Allocated Claims Adjustment										Reserves		Number of
Accident	Expenses, Net of Reinsurance										Dec. 31,		Reported
Year	Unaudited										2016		Claims
2012	$	255	$	262	$	249	$	175	$	140	$	9	1,148
2013			240		246		199		146		6		1,006
2014					223		212		165		32		992
2015							217		191		79		768
2016									226		128		595
							Total		$	868

	Cumulative Paid Claims and Allocated Claim
Accident	Adjustment Expenses, Net of Reinsurance
Year	Unaudited											Liability for Claims
												And Allocated Claim
2012	$	42	$	108	$	124	$	110		$	111	Adjustment Expenses,
2013			37		113		128			131		Net of Reinsurance
2014					58		96			111
2015							32			75		2012 -		Before
2016										54		2016		2012
							Total			$	482	$	386	$	64
									Total net liability					$	450

	Average Annual Percentage Payout of Incurred
	Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5
	26.1	%	36.2	%	10.1	%	(3.6	)% (1)	0.8	%

(1) Includes recovery activity.

Personal Insurance

Automobile

(dollars in millions)

	For the Years Ended December 31,
	2012		2013		2014		2015		2016		IBNR		Cumulative
	Incurred Claims and Allocated Claims Adjustment										Reserves		Number of
Accident	Expenses, Net of Reinsurance										Dec. 31,		Reported
Year	Unaudited										2016		Claims
2012	$	2,417	$	2,454	$	2,448	$	2,432	$	2,428	$	15	793,669
2013			2,108		2,095		2,049		2,044		36		694,650
2014					2,014		1,994		1,981		75		669,990
2015							2,186		2,244		224		755,762
2016									2,779		646		839,962
							Total		$	11,476

	Cumulative Paid Claims and Allocated Claim
Accident	Adjustment Expenses, Net of Reinsurance
Year	Unaudited											Liability for Claims
												And Allocated Claim
2012	$	1,503	$	1,983	$	2,189	$	2,311		$	2,376	Adjustment Expenses,
2013			1,251		1,628		1,814			1,935		Net of Reinsurance
2014					1,193		1,564			1,763
2015							1,319			1,768		2012 -		Before
2016										1,610		2016		2012
							Total			$	9,452	$	2,024	$	253
									Total net liability					$	2,277

	Average Annual Percentage Payout of Incurred
	Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5
	60.0	%	19.2	%	9.2	%	5.5	%	2.7	%

Homeowners (excluding Other)

(dollars in millions)

	For the Years Ended December 31,
	2012		2013		2014		2015		2016		IBNR		Cumulative
	Incurred Claims and Allocated Claims Adjustment										Reserves		Number of
Accident	Expenses, Net of Reinsurance										Dec. 31,		Reported
Year	Unaudited										2016		Claims
2012	$	2,136	$	2,056	$	2,029	$	2,018	$	2,019	$	1	259,006
2013			1,488		1,397		1,365		1,375		4		149,373
2014					1,515		1,450		1,453		9		151,517
2015							1,438		1,454		28		144,367
2016									1,556		307		129,630
							Total		$	7,857

	Cumulative Paid Claims and Allocated Claim
Accident	Adjustment Expenses, Net of Reinsurance
Year	Unaudited											Liability for Claims
												And Allocated Claim
2012	$	1,508	$	1,901	$	1,964	$	1,993		$	2,008	Adjustment Expenses,
2013			994		1,269		1,317			1,344		Net of Reinsurance
2014					1,053		1,338			1,402
2015							994			1,333		2012 -		Before
2016										1,049		2016		2012
							Total			$	7,136	$	721	$	21
									Total net liability					$	742

	Average Annual Percentage Payout of Incurred
	Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5
	71.1	%	20.6	%	3.7	%	1.7	%	0.7	%

International - Canada

(dollars in millions)

	For the Years Ended December 31,																				IBNR		Cumulative
	2007		2008		2009		2010		2011		2012		2013		2014		2015		2016		Reserves		Number of
Accident	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance																				Dec. 31,		Reported
Year	Unaudited																				2016		Claims
2007	$	372	$	365	$	361	$	359	$	369	$	371	$	377	$	368	$	364	$	362	$	2	51,611
2008			400		404		393		394		399		405		399		395		396		1		56,506
2009					460		448		457		463		471		463		455		456		8		57,934
2010							469		471		481		495		484		476		471		14		57,976
2011									443		422		430		426		418		412		18		57,704
2012											419		398		400		384		383		37		53,046
2013													467		461		453		441		39		56,071
2014															413		428		429		50		53,734
2015																	348		347		58		46,093
2016																			349		34		44,337
																	Total		$	4,046

Accident	Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
Year	Unaudited
2007	$	153	$	221	$	250	$	273	$	299	$	320	$	337	$	345	$	350		$	354
2008			171		262		294		317		339		360		374		381			385
2009					192		287		327		355		384		409		425			436
2010							185		282		318		356		385		415			432		Liability for Claims
2011									170		240		270		303		337			358		And Allocated Claim
2012											160		223		252		278			305		Adjustment Expenses,
2013													187		262		293			324		Net of Reinsurance
2014															183		256			291
2015																	156			218		2007 -		Before
2016																				203		2016		2007
																	Total			$	3,306	$	740	$	36
																			Total net liability					$	776

	Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5		6		7		8		9		10
	43.8	%	18.7	%	7.8	%	6.9	%	6.8	%	5.6	%	3.8	%	2.1	%	1.2	%	1.1	%

        The incurred and paid amounts have been translated from the local currency to U.S. dollars using the December 31, 2016 spot rate for all years presented in the table above in order to isolate changes in foreign exchange rates from loss development.

Historical average annual percentage payout of incurred claims by age of accident year [Table Text Block]

Business Insurance

General Liability

(dollars in millions)

	For the Years Ended December 31,																				IBNR		Cumulative
	2007		2008		2009		2010		2011		2012		2013		2014		2015		2016		Reserves		Number of
Accident	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance																				Dec. 31,		Reported
Year	Unaudited																				2016		Claims
2007	$	1,136	$	1,162	$	1,087	$	1,089	$	968	$	919	$	888	$	883	$	865	$	824	$	78	23,840
2008			1,143		1,209		1,222		1,079		1,041		994		946		931		935		88		25,385
2009					1,060		1,071		1,028		960		869		837		809		796		95		25,457
2010							1,028		1,031		1,021		959		927		912		918		108		27,678
2011									1,004		1,074		1,065		998		972		935		146		27,210
2012											989		985		935		913		892		184		24,384
2013													965		975		958		940		256		21,836
2014															976		989		983		438		20,926
2015																	998		956		592		18,771
2016																			1,075		908		13,810
																	Total		$	9,254

Accident	Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
Year	Unaudited
2007	$	32	$	134	$	316	$	467	$	549	$	632	$	682	$	697	$	713		$	726
2008			35		154		359		497		615		694		734		759			799
2009					35		167		314		446		543		613		643			667
2010							35		139		324		487		629		702			756		Liability for Claims
2011									47		187		355		539		660			725		And Allocated Claim
2012											32		150		295		489			589		Adjustment Expenses,
2013													35		175		363			498		Net of Reinsurance
2014															37		163			321
2015																	36			137		2007 -		Before
2016																				35		2016		2007
																	Total			$	5,253	$	4,001	$	3,033
																			Total net liability					$	7,034

	Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5		6		7		8		9		10
	3.9	%	13.3	%	19.1	%	17.6	%	12.4	%	8.4	%	5.0	%	2.5	%	3.1	%	1.6	%

Commercial Property

(dollars in millions)

	For the Years Ended December 31,
	2012		2013		2014		2015		2016		IBNR		Cumulative
	Incurred Claims and Allocated Claims Adjustment										Reserves		Number of
Accident	Expenses, Net of Reinsurance										Dec. 31,		Reported
Year	Unaudited										2016		Claims
2012	$	1,054	$	988	$	924	$	889	$	895	$	13	28,183
2013			789		755		737		731		10		22,141
2014					936		860		836		15		21,490
2015							786		750		28		19,859
2016									896		131		19,327
							Total		$	4,108

	Cumulative Paid Claims and Allocated Claim
Accident	Adjustment Expenses, Net of Reinsurance
Year	Unaudited											Liability for Claims
												And Allocated Claim
2012	$	453	$	770	$	845	$	865		$	872	Adjustment Expenses,
2013			389		610		683			703		Net of Reinsurance
2014					464		710			775
2015							376			615		2012 -		Before
2016										441		2016		2012
							Total			$	3,406	$	702	$	164
									Total net liability					$	866

	Average Annual Percentage Payout of Incurred
	Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5
	51.7	%	31.8	%	8.7	%	2.5	%	0.8	%

Commercial Multi-Peril

(dollars in millions)

	For the Years Ended December 31,																				IBNR		Cumulative
	2007		2008		2009		2010		2011		2012		2013		2014		2015		2016		Reserves		Number of
Accident	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance																				Dec. 31,		Reported
Year	Unaudited																				2016		Claims
2007	$	1,490	$	1,430	$	1,364	$	1,402	$	1,398	$	1,375	$	1,373	$	1,369	$	1,376	$	1,369	$	51	96,767
2008			1,725		1,674		1,683		1,688		1,674		1,684		1,674		1,688		1,681		47		108,382
2009					1,484		1,506		1,501		1,498		1,511		1,514		1,514		1,509		42		103,198
2010							1,711		1,826		1,832		1,861		1,895		1,892		1,898		51		111,586
2011									2,235		2,244		2,269		2,286		2,296		2,287		66		125,358
2012											1,885		1,883		1,903		1,888		1,888		88		104,419
2013													1,615		1,623		1,620		1,609		122		82,936
2014															1,663		1,627		1,625		193		76,833
2015																	1,568		1,625		354		68,278
2016																			1,662		658		56,471
																	Total		$	17,153

Accident	Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
Year	Unaudited
2007	$	498	$	824	$	982	$	1,110	$	1,208	$	1,256	$	1,278	$	1,296	$	1,307		$	1,312
2008			712		1,103		1,264		1,396		1,490		1,551		1,581		1,602			1,617
2009					603		958		1,121		1,264		1,360		1,408		1,436			1,449
2010							709		1,180		1,395		1,579		1,698		1,763			1,798		Liability for Claims
2011									1,060		1,573		1,803		1,979		2,088			2,156		And Allocated Claim
2012											795		1,246		1,424		1,590			1,699		Adjustment Expenses,
2013													644		987		1,167			1,304		Net of Reinsurance
2014															628		956			1,154
2015																	595			970		2007 -		Before
2016																				585		2016		2007
																	Total			$	14,044	$	3,109	$	305
																			Total net liability					$	3,414

	Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5		6		7		8		9		10
	39.5	%	22.9	%	10.8	%	8.8	%	6.0	%	3.3	%	1.8	%	1.1	%	0.9	%	0.4	%

Commercial Automobile

(dollars in millions)

	For the Years Ended December 31,
	2012		2013		2014		2015		2016		IBNR		Cumulative
	Incurred Claims and Allocated Claims Adjustment										Reserves		Number of
Accident	Expenses, Net of Reinsurance										Dec. 31,		Reported
Year	Unaudited										2016		Claims
2012	$	1,294	$	1,350	$	1,327	$	1,325	$	1,337	$	35	214,780
2013			1,235		1,236		1,240		1,245		67		197,041
2014					1,165		1,166		1,168		131		184,067
2015							1,198		1,215		246		179,963
2016									1,290		516		173,790
							Total		$	6,255

	Cumulative Paid Claims and Allocated Claim
Accident	Adjustment Expenses, Net of Reinsurance
Year	Unaudited											Liability for Claims
												And Allocated Claim
2012	$	467	$	753	$	960	$	1,134		$	1,235	Adjustment Expenses,
2013			435		675		884			1,039		Net of Reinsurance
2014					397		618			821
2015							409			658		2012 -		Before
2016										416		2016		2012
							Total			$	4,169	$	2,086	$	184
									Total net liability					$	2,270

	Average Annual Percentage Payout of Incurred
	Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5
	34.0	%	20.0	%	16.6	%	12.7	%	7.6	%

Workers’ Compensation

(dollars in millions)

	For the Years Ended December 31,																				IBNR		Cumulative
	2007		2008		2009		2010		2011		2012		2013		2014		2015		2016		Reserves		Number of
Accident	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance																				Dec. 31,		Reported
Year	Unaudited																				2016		Claims
2007	$	1,554	$	1,519	$	1,484	$	1,448	$	1,390	$	1,373	$	1,358	$	1,340	$	1,328	$	1,341	$	217	103,064
2008			1,714		1,745		1,734		1,683		1,639		1,634		1,621		1,617		1,617		237		107,565
2009					1,799		1,778		1,746		1,753		1,753		1,766		1,775		1,750		272		104,229
2010							1,886		2,042		2,035		2,056		2,049		2,052		2,055		354		116,837
2011									2,284		2,303		2,347		2,350		2,379		2,385		430		135,061
2012											2,447		2,456		2,457		2,456		2,445		519		133,417
2013													2,553		2,545		2,540		2,506		651		128,111
2014															2,554		2,553		2,547		839		123,110
2015																	2,644		2,585		1,142		120,681
2016																			2,768		1,651		108,357
																	Total		$	21,999

Accident	Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
Year	Unaudited
2007	$	216	$	450	$	589	$	683	$	747	$	802	$	845	$	880	$	910		$	936
2008			274		571		752		875		961		1,036		1,088		1,130			1,162
2009					288		623		828		961		1,065		1,137		1,193			1,235
2010							341		750		978		1,133		1,246		1,321			1,385		Liability for Claims
2011									420		911		1,185		1,365		1,487			1,583		And Allocated Claim
2012											443		940		1,217		1,394			1,536		Adjustment Expenses,
2013													458		954		1,237			1,413		Net of Reinsurance
2014															455		944			1,224
2015																	430			893		2007 -		Before
2016																				421		2016		2007
																	Total			$	11,788	$	10,211	$	5,228
																			Total net liability					$	15,439

	Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5		6		7		8		9		10
	17.0	%	19.2	%	11.2	%	7.4	%	5.4	%	4.1	%	3.2	%	2.5	%	2.1	%	1.9	%

Bond & Specialty Insurance

General Liability

(dollars in millions)

	For the Years Ended December 31,																				IBNR		Cumulative
	2007		2008		2009		2010		2011		2012		2013		2014		2015		2016		Reserves		Number of
Accident	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance																				Dec. 31,		Reported
Year	Unaudited																				2016		Claims
2007	$	584	$	571	$	638	$	582	$	551	$	511	$	479	$	467	$	462	$	454	$	4	11,018
2008			579		769		743		697		716		712		672		643		631		24		6,463
2009					592		624		665		686		680		660		655		641		24		6,287
2010							571		612		679		679		661		668		653		18		5,655
2011									565		596		639		632		601		545		34		5,191
2012											538		591		614		605		601		137		4,824
2013													510		565		606		630		204		4,371
2014															549		571		563		232		4,182
2015																	528		524		272		3,814
2016																			512		405		2,676
																	Total		$	5,754

Accident	Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
Year	Unaudited
2007	$	35	$	134	$	229	$	303	$	357	$	373	$	393	$	400	$	410		$	415
2008			47		157		281		387		471		529		562		579			590
2009					36		167		310		390		460		497		563			592
2010							33		152		291		396		482		565			597		Liability for Claims
2011									33		143		249		324		414			447		And Allocated Claim
2012											38		160		255		342			383		Adjustment Expenses,
2013													34		154		252			352		Net of Reinsurance
2014															38		150			239
2015																	38			141		2007 -		Before
2016																				30		2016		2007
																	Total			$	3,786	$	1,968	$	74
																			Total net liability					$	2,042

	Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5		6		7		8		9		10
	6.3	%	19.7	%	18.8	%	15.1	%	12.1	%	7.5	%	6.2	%	3.0	%	1.9	%	1.1	%

Fidelity and Surety

(dollars in millions)

	For the Years Ended December 31,
	2012		2013		2014		2015		2016		IBNR		Cumulative
	Incurred Claims and Allocated Claims Adjustment										Reserves		Number of
Accident	Expenses, Net of Reinsurance										Dec. 31,		Reported
Year	Unaudited										2016		Claims
2012	$	255	$	262	$	249	$	175	$	140	$	9	1,148
2013			240		246		199		146		6		1,006
2014					223		212		165		32		992
2015							217		191		79		768
2016									226		128		595
							Total		$	868

	Cumulative Paid Claims and Allocated Claim
Accident	Adjustment Expenses, Net of Reinsurance
Year	Unaudited											Liability for Claims
												And Allocated Claim
2012	$	42	$	108	$	124	$	110		$	111	Adjustment Expenses,
2013			37		113		128			131		Net of Reinsurance
2014					58		96			111
2015							32			75		2012 -		Before
2016										54		2016		2012
							Total			$	482	$	386	$	64
									Total net liability					$	450

	Average Annual Percentage Payout of Incurred
	Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5
	26.1	%	36.2	%	10.1	%	(3.6	)% (1)	0.8	%

(1) Includes recovery activity.

Personal Insurance

Automobile

(dollars in millions)

	For the Years Ended December 31,
	2012		2013		2014		2015		2016		IBNR		Cumulative
	Incurred Claims and Allocated Claims Adjustment										Reserves		Number of
Accident	Expenses, Net of Reinsurance										Dec. 31,		Reported
Year	Unaudited										2016		Claims
2012	$	2,417	$	2,454	$	2,448	$	2,432	$	2,428	$	15	793,669
2013			2,108		2,095		2,049		2,044		36		694,650
2014					2,014		1,994		1,981		75		669,990
2015							2,186		2,244		224		755,762
2016									2,779		646		839,962
							Total		$	11,476

	Cumulative Paid Claims and Allocated Claim
Accident	Adjustment Expenses, Net of Reinsurance
Year	Unaudited											Liability for Claims
												And Allocated Claim
2012	$	1,503	$	1,983	$	2,189	$	2,311		$	2,376	Adjustment Expenses,
2013			1,251		1,628		1,814			1,935		Net of Reinsurance
2014					1,193		1,564			1,763
2015							1,319			1,768		2012 -		Before
2016										1,610		2016		2012
							Total			$	9,452	$	2,024	$	253
									Total net liability					$	2,277

	Average Annual Percentage Payout of Incurred
	Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5
	60.0	%	19.2	%	9.2	%	5.5	%	2.7	%

Homeowners (excluding Other)

(dollars in millions)

	For the Years Ended December 31,
	2012		2013		2014		2015		2016		IBNR		Cumulative
	Incurred Claims and Allocated Claims Adjustment										Reserves		Number of
Accident	Expenses, Net of Reinsurance										Dec. 31,		Reported
Year	Unaudited										2016		Claims
2012	$	2,136	$	2,056	$	2,029	$	2,018	$	2,019	$	1	259,006
2013			1,488		1,397		1,365		1,375		4		149,373
2014					1,515		1,450		1,453		9		151,517
2015							1,438		1,454		28		144,367
2016									1,556		307		129,630
							Total		$	7,857

	Cumulative Paid Claims and Allocated Claim
Accident	Adjustment Expenses, Net of Reinsurance
Year	Unaudited											Liability for Claims
												And Allocated Claim
2012	$	1,508	$	1,901	$	1,964	$	1,993		$	2,008	Adjustment Expenses,
2013			994		1,269		1,317			1,344		Net of Reinsurance
2014					1,053		1,338			1,402
2015							994			1,333		2012 -		Before
2016										1,049		2016		2012
							Total			$	7,136	$	721	$	21
									Total net liability					$	742

	Average Annual Percentage Payout of Incurred
	Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5
	71.1	%	20.6	%	3.7	%	1.7	%	0.7	%

International - Canada

(dollars in millions)

	For the Years Ended December 31,																				IBNR		Cumulative
	2007		2008		2009		2010		2011		2012		2013		2014		2015		2016		Reserves		Number of
Accident	Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance																				Dec. 31,		Reported
Year	Unaudited																				2016		Claims
2007	$	372	$	365	$	361	$	359	$	369	$	371	$	377	$	368	$	364	$	362	$	2	51,611
2008			400		404		393		394		399		405		399		395		396		1		56,506
2009					460		448		457		463		471		463		455		456		8		57,934
2010							469		471		481		495		484		476		471		14		57,976
2011									443		422		430		426		418		412		18		57,704
2012											419		398		400		384		383		37		53,046
2013													467		461		453		441		39		56,071
2014															413		428		429		50		53,734
2015																	348		347		58		46,093
2016																			349		34		44,337
																	Total		$	4,046

Accident	Cumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance
Year	Unaudited
2007	$	153	$	221	$	250	$	273	$	299	$	320	$	337	$	345	$	350		$	354
2008			171		262		294		317		339		360		374		381			385
2009					192		287		327		355		384		409		425			436
2010							185		282		318		356		385		415			432		Liability for Claims
2011									170		240		270		303		337			358		And Allocated Claim
2012											160		223		252		278			305		Adjustment Expenses,
2013													187		262		293			324		Net of Reinsurance
2014															183		256			291
2015																	156			218		2007 -		Before
2016																				203		2016		2007
																	Total			$	3,306	$	740	$	36
																			Total net liability					$	776

	Average Annual Percentage Payout of Incurred Claims by Age, Net of Reinsurance
	Unaudited
Years	1		2		3		4		5		6		7		8		9		10
	43.8	%	18.7	%	7.8	%	6.9	%	6.8	%	5.6	%	3.8	%	2.1	%	1.2	%	1.1	%

        The incurred and paid amounts have been translated from the local currency to U.S. dollars using the December 31, 2016 spot rate for all years presented in the table above in order to isolate changes in foreign exchange rates from loss development.