Travelers (NYSE:TRV) is a leading provider of property casualty insurance and surety products and of risk management services to a wide variety of businesses and organizations and to individuals. The company reported 2006 revenues of $25.1 billion and total assets of $113.8 billion. Our products are distributed primarily through U.S. independent insurance agents and brokers. Travelers is the second largest writer of auto and homeowners insurance through independent agents. Travelers is headquartered in Saint Paul, Minn., with significant operations in Hartford, Conn. The company also has offices in the U.K., Ireland and Canada.

Commercial Lines

Commercial Lines offers a broad array of property and casualty insurance and insurance-related services to its clients, which range from small “main street” businesses to Fortune 100 corporations. Commercial Lines is organized into marketing and underwriting groups with a specialized focus on particular markets or products. These groups include Select Accounts, which markets packaged property and casualty coverages to small- to mid-sized businesses; Commercial Accounts, which markets tailored insurance products and services to mid-sized businesses; and National Accounts, which markets insurance and risk management services to large companies and also provides claims administration for state-mandated workers' compensation pools. In addition, specialized units are dedicated to marketing to national associations and to serving the needs of the inland marine, agriculture, commercial trucking and boiler and machinery markets.

Specialty Commercial

Specialty Commercial Includes a number of underwriting groups that meets the needs of markets requiring dedicated expertise or specialized products and services. Business units focus on providing surety, executive liability, catastrophe risk, and umbrella and excess liability products to businesses and non-profit entities of all types and sizes. Other units focus on meeting the coverage needs of industries including construction, financial and professional services, technology, ocean marine, and oil and gas, and on the public sector market. This business also includes our specialty international operations in the U.K., Ireland and Canada and our operations at Lloyd's.

Personal Lines

Personal Lines offers a broad array of property and casualty insurance products to individual customers under the Travelers and four subsidiary company brands. Personal Lines products include automobile, homeowners and other personal coverages including tenant, condominium, boat, yacht, umbrella and valuable items coverage. Personal Lines products are distributed primarily through a network of more than 10,000 independent agents, as well as through sponsoring organizations such as employee and affinity groups and joint marketing arrangements.