S&P 500   5,011.12
DOW   37,775.38
QQQ   423.41
What's Driving Tesla Lower Ahead of its Earnings?
Stock market today: Wall Street drifts to a mixed finish as yields tick higher
How major US stock indexes fared Thursday, 4/18/2024
3 Steel Stocks Could Soar on New China Tariffs
CSX Co.: The Railroad Powering Ahead with an Earnings Beat
These are the Top 4 Stocks for Buybacks in 2024
'There is no time to waste': EU leaders want to boost competitiveness to close gap with US and China
S&P 500   5,011.12
DOW   37,775.38
QQQ   423.41
What's Driving Tesla Lower Ahead of its Earnings?
Stock market today: Wall Street drifts to a mixed finish as yields tick higher
How major US stock indexes fared Thursday, 4/18/2024
3 Steel Stocks Could Soar on New China Tariffs
CSX Co.: The Railroad Powering Ahead with an Earnings Beat
These are the Top 4 Stocks for Buybacks in 2024
'There is no time to waste': EU leaders want to boost competitiveness to close gap with US and China
S&P 500   5,011.12
DOW   37,775.38
QQQ   423.41
What's Driving Tesla Lower Ahead of its Earnings?
Stock market today: Wall Street drifts to a mixed finish as yields tick higher
How major US stock indexes fared Thursday, 4/18/2024
3 Steel Stocks Could Soar on New China Tariffs
CSX Co.: The Railroad Powering Ahead with an Earnings Beat
These are the Top 4 Stocks for Buybacks in 2024
'There is no time to waste': EU leaders want to boost competitiveness to close gap with US and China
S&P 500   5,011.12
DOW   37,775.38
QQQ   423.41
What's Driving Tesla Lower Ahead of its Earnings?
Stock market today: Wall Street drifts to a mixed finish as yields tick higher
How major US stock indexes fared Thursday, 4/18/2024
3 Steel Stocks Could Soar on New China Tariffs
CSX Co.: The Railroad Powering Ahead with an Earnings Beat
These are the Top 4 Stocks for Buybacks in 2024
'There is no time to waste': EU leaders want to boost competitiveness to close gap with US and China

Compare Stocks

Comparative Price Performance Over Time

Compare Stocks - Price & Volume

CompanyCurrent Price50-Day Moving Average52-Week RangeMarket CapBetaAvg. VolumeToday's Volume
American International Group, Inc. stock logo
AIG
American International Group
$72.99
+0.6%
$74.01
$48.95
$78.95
$49.70B1.033.99 million shs3.13 million shs
The Allstate Co. stock logo
ALL
Allstate
$169.12
+3.8%
$163.44
$100.57
$174.57
$44.49B0.521.69 million shs2.07 million shs
MS&AD Insurance Group Holdings, Inc. stock logo
MSADY
MS&AD Insurance Group
$17.15
+2.1%
$16.92
$10.64
$20.06
$27.58B0.44263,360 shs343,788 shs
Tokio Marine Holdings, Inc. Sponsored ADR stock logo
TKOMY
Tokio Marine
$30.25
+1.4%
$30.06
$19.35
$32.82
$59.76B-0.8569,300 shs106,928 shs
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
$210.46
+1.9%
$221.87
$157.33
$232.75
$48.22B0.581.50 million shs2.05 million shs
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Price Performance

Company1-Day Performance7-Day Performance30-Day Performance90-Day Performance1-Year Performance
American International Group, Inc. stock logo
AIG
American International Group
-1.68%-3.64%-3.71%+7.94%+38.35%
The Allstate Co. stock logo
ALL
Allstate
-0.74%-4.02%-0.06%+6.54%+42.74%
MS&AD Insurance Group Holdings, Inc. stock logo
MSADY
MS&AD Insurance Group
-3.20%-6.07%-2.96%+26.09%+55.99%
Tokio Marine Holdings, Inc. Sponsored ADR stock logo
TKOMY
Tokio Marine
-0.77%-3.93%-2.96%+17.91%+52.66%
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
-7.41%-7.93%-6.91%+4.15%+20.10%

MarketRank™

CompanyOverall ScoreAnalyst's OpinionShort Interest ScoreDividend StrengthESG ScoreNews and Social Media SentimentCompany OwnershipEarnings & Valuation
American International Group, Inc. stock logo
AIG
American International Group
4.7942 of 5 stars
2.35.02.52.22.63.33.1
The Allstate Co. stock logo
ALL
Allstate
4.8745 of 5 stars
2.45.03.32.73.12.53.1
MS&AD Insurance Group Holdings, Inc. stock logo
MSADY
MS&AD Insurance Group
2.8549 of 5 stars
0.03.02.50.02.70.03.1
Tokio Marine Holdings, Inc. Sponsored ADR stock logo
TKOMY
Tokio Marine
N/AN/AN/AN/AN/AN/AN/AN/A
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
4.7163 of 5 stars
2.15.04.22.02.92.52.5

Analyst Ratings

CompanyConsensus Rating ScoreConsensus RatingConsensus Price Target% Upside from Current Price
American International Group, Inc. stock logo
AIG
American International Group
2.53
Moderate Buy$79.068.31% Upside
The Allstate Co. stock logo
ALL
Allstate
2.76
Moderate Buy$173.712.71% Upside
MS&AD Insurance Group Holdings, Inc. stock logo
MSADY
MS&AD Insurance Group
N/AN/AN/AN/A
Tokio Marine Holdings, Inc. Sponsored ADR stock logo
TKOMY
Tokio Marine
N/AN/AN/AN/A
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
2.22
Hold$218.393.77% Upside

Current Analyst Ratings

Latest ALL, TKOMY, TRV, AIG, and MSADY Analyst Ratings

DateCompanyBrokerageActionRatingPrice TargetDetails
4/18/2024
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
Royal Bank of Canada
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetSector Perform ➝ Sector Perform$230.00 ➝ $225.00
4/18/2024
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
Evercore ISI
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetOutperform ➝ Outperform$253.00 ➝ $250.00
4/18/2024
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
Keefe, Bruyette & Woods
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetMarket Perform ➝ Market Perform$241.00 ➝ $231.00
4/18/2024
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
Roth Mkm
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Reiterated RatingBuy ➝ Buy$240.00
4/16/2024
American International Group, Inc. stock logo
AIG
American International Group
Citigroup
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetBuy ➝ Buy$79.00 ➝ $87.00
4/16/2024
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
Citigroup
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetNeutral ➝ Neutral$215.00 ➝ $226.00
4/15/2024
American International Group, Inc. stock logo
AIG
American International Group
Morgan Stanley
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetEqual Weight ➝ Equal Weight$72.00 ➝ $79.00
4/15/2024
The Allstate Co. stock logo
ALL
Allstate
Morgan Stanley
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetOverweight ➝ Overweight$187.00 ➝ $190.00
4/15/2024
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
Morgan Stanley
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetEqual Weight ➝ Equal Weight$222.00 ➝ $230.00
4/12/2024
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
The Goldman Sachs Group
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetSell ➝ Sell$186.00 ➝ $212.00
4/11/2024
American International Group, Inc. stock logo
AIG
American International Group
Evercore ISI
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetIn-Line ➝ In-Line$74.00 ➝ $80.00
(Data available from 4/18/2021 forward. View 10+ years of historical ratings with our analyst ratings screener.)

Sales & Book Value

CompanyAnnual RevenuePrice/SalesCashflowPrice/CashBook ValuePrice/Book
American International Group, Inc. stock logo
AIG
American International Group
$46.80B1.06$12.92 per share5.65$72.38 per share1.01
The Allstate Co. stock logo
ALL
Allstate
$57.09B0.78$4.26 per share39.68$59.72 per share2.83
MS&AD Insurance Group Holdings, Inc. stock logo
MSADY
MS&AD Insurance Group
$38.87B0.71$1.20 per share14.27$14.07 per share1.22
Tokio Marine Holdings, Inc. Sponsored ADR stock logo
TKOMY
Tokio Marine
$50.28B1.19$0.67 per share45.19$4.42 per share6.84
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
$41.36B1.17$41.35 per share5.09$109.11 per share1.93

Profitability & Earnings

CompanyNet IncomeEPSTrailing P/E RatioForward P/E RatioP/E GrowthNet MarginsReturn on Equity (ROE)Return on Assets (ROA)Next Earnings Date
American International Group, Inc. stock logo
AIG
American International Group
$3.64B$4.9914.638.841.057.78%10.68%0.93%5/1/2024 (Confirmed)
The Allstate Co. stock logo
ALL
Allstate
-$188M-$1.24N/A10.110.40-0.33%2.67%0.37%5/1/2024 (Confirmed)
MS&AD Insurance Group Holdings, Inc. stock logo
MSADY
MS&AD Insurance Group
$1.20B$1.5810.8511.21N/A5.71%9.47%1.32%N/A
Tokio Marine Holdings, Inc. Sponsored ADR stock logo
TKOMY
Tokio Marine
$2.79B$2.2113.699.510.308.71%15.15%2.15%N/A
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
$2.99B$12.7916.4610.431.177.23%13.68%2.53%7/18/2024 (Estimated)

Latest ALL, TKOMY, TRV, AIG, and MSADY Earnings

DateQuarterCompanyConsensus EstimateReported EPSBeat/MissGap EPSRevenue EstimateActual RevenueDetails
5/1/2024N/A
American International Group, Inc. stock logo
AIG
American International Group
$1.71N/A-$1.71N/AN/AN/A  
5/1/2024N/A
The Allstate Co. stock logo
ALL
Allstate
$3.78N/A-$3.78N/AN/AN/A  
4/17/2024Q1 24
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
$4.75$4.69-$0.06$4.58$10.62 billion$11.23 billion      
2/14/2024Q4 23
American International Group, Inc. stock logo
AIG
American International Group
$1.59$1.79+$0.20$3.46$11.61 billion$1.00 million      
2/14/2024Q3 2024
MS&AD Insurance Group Holdings, Inc. stock logo
MSADY
MS&AD Insurance Group
N/A$0.8267+$0.8267$1.24N/A$8.93 billion
2/14/2024Q3 2024
Tokio Marine Holdings, Inc. Sponsored ADR stock logo
TKOMY
Tokio Marine
N/A$1.10+$1.10$1.13N/A$12.80 billion
2/8/2024Q4 2023
The Allstate Co. stock logo
ALL
Allstate
$3.87$5.82+$1.95$6.12$12.69 billion$14.83 billion    
1/19/202412/31/2023
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
$5.10$7.01+$1.91$7.03$10.18 billion$10.93 billion    

Dividends

CompanyAnnual PayoutDividend Yield3-Year Dividend GrowthPayout RatioYears of Consecutive Growth
American International Group, Inc. stock logo
AIG
American International Group
$1.441.97%+3.03%28.86%1 Years
The Allstate Co. stock logo
ALL
Allstate
$3.682.18%+18.12%N/A 14 Years
MS&AD Insurance Group Holdings, Inc. stock logo
MSADY
MS&AD Insurance Group
$0.372.16%N/A23.42%N/A
Tokio Marine Holdings, Inc. Sponsored ADR stock logo
TKOMY
Tokio Marine
$0.622.05%N/A28.05%N/A
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
$4.001.90%+5.26%31.27%19 Years

Latest ALL, TKOMY, TRV, AIG, and MSADY Dividends

AnnouncementCompanyPeriodAmountYieldEx-Dividend DateRecord DatePayable Date
4/17/2024
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
quarterly$1.052.05%6/10/20246/10/20246/28/2024
2/23/2024
The Allstate Co. stock logo
ALL
Allstate
quarterly$0.922.3%3/1/20243/4/20244/1/2024
1/19/2024
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
quarterly$1.001.9%3/7/20243/8/20243/29/2024
2/13/2024
American International Group, Inc. stock logo
AIG
American International Group
quarterly$0.362.05%3/13/20243/14/20243/28/2024
(Data available from 1/1/2013 forward)

Debt

CompanyDebt-to-Equity RatioCurrent RatioQuick Ratio
American International Group, Inc. stock logo
AIG
American International Group
0.44
0.31
0.31
The Allstate Co. stock logo
ALL
Allstate
0.51
0.37
0.37
MS&AD Insurance Group Holdings, Inc. stock logo
MSADY
MS&AD Insurance Group
0.18
0.28
N/A
Tokio Marine Holdings, Inc. Sponsored ADR stock logo
TKOMY
Tokio Marine
0.05
0.04
N/A
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
0.32
0.34
0.34

Ownership

Miscellaneous

CompanyEmployeesShares OutstandingFree FloatOptionable
American International Group, Inc. stock logo
AIG
American International Group
25,200680.95 million676.80 millionOptionable
The Allstate Co. stock logo
ALL
Allstate
53,400263.07 million258.33 millionOptionable
MS&AD Insurance Group Holdings, Inc. stock logo
MSADY
MS&AD Insurance Group
38,5841.61 billionN/ANot Optionable
Tokio Marine Holdings, Inc. Sponsored ADR stock logo
TKOMY
Tokio Marine
41,1011.98 billionN/ANot Optionable
The Travelers Companies, Inc. stock logo
TRV
Travelers Companies
33,300229.13 million226.08 millionOptionable

ALL, TKOMY, TRV, AIG, and MSADY Headlines

SourceHeadline
Travelers Companies (NYSE:TRV) Given New $225.00 Price Target at Royal Bank of CanadaTravelers Companies (NYSE:TRV) Given New $225.00 Price Target at Royal Bank of Canada
marketbeat.com - April 18 at 1:28 PM
Federated Hermes Inc. Decreases Stake in The Travelers Companies, Inc. (NYSE:TRV)Federated Hermes Inc. Decreases Stake in The Travelers Companies, Inc. (NYSE:TRV)
marketbeat.com - April 18 at 12:22 PM
Balancing Act: Weighing Travelers Companies’ Reserve Challenges Against Positive Personal Lines TrendsBalancing Act: Weighing Travelers Companies’ Reserve Challenges Against Positive Personal Lines Trends
markets.businessinsider.com - April 18 at 10:38 AM
The Travelers Companies Inc (TRV) Q1 2024 Earnings Call Transcript Highlights: Strong ...The Travelers Companies Inc (TRV) Q1 2024 Earnings Call Transcript Highlights: Strong ...
finance.yahoo.com - April 18 at 10:38 AM
The Travelers Companies, Inc. (NYSE:TRV) Q1 2024 Earnings Call TranscriptThe Travelers Companies, Inc. (NYSE:TRV) Q1 2024 Earnings Call Transcript
finance.yahoo.com - April 18 at 10:38 AM
Travelers Companies (NYSE:TRV) Earns "Buy" Rating from Roth MkmTravelers Companies (NYSE:TRV) Earns "Buy" Rating from Roth Mkm
marketbeat.com - April 18 at 10:35 AM
Latest Travelers Companies Inc. (TRV) SEC 10-Q Filing: How Are They Shaping the Future of Their IndustryLatest Travelers Companies Inc. (TRV) SEC 10-Q Filing: How Are They Shaping the Future of Their Industry
americanbankingnews.com - April 18 at 2:04 AM
Maintained Sell Rating on Travelers Companies Amid Liability Reserve Concerns and Zero Projected ReturnMaintained Sell Rating on Travelers Companies Amid Liability Reserve Concerns and Zero Projected Return
markets.businessinsider.com - April 17 at 11:33 PM
Stock Market Today: Dow Slips After Travelers Earnings MissStock Market Today: Dow Slips After Travelers' Earnings Miss
kiplinger.com - April 17 at 6:33 PM
Travelers Companies (NYSE:TRV) Posts Quarterly  Earnings ResultsTravelers Companies (NYSE:TRV) Posts Quarterly Earnings Results
marketbeat.com - April 17 at 4:15 PM
The Travelers Companies, Inc. (NYSE:TRV) to Issue Quarterly Dividend of $1.05The Travelers Companies, Inc. (NYSE:TRV) to Issue Quarterly Dividend of $1.05
marketbeat.com - April 17 at 3:56 PM
Travelers Companies (NYSE:TRV) Shares Gap Down to $223.12Travelers Companies (NYSE:TRV) Shares Gap Down to $223.12
marketbeat.com - April 17 at 3:51 PM
The Travelers Companies raises dividend by 5% to $1.05The Travelers Companies raises dividend by 5% to $1.05
seekingalpha.com - April 17 at 1:33 PM
TRV Earnings: The Travelers Companies Drops on Q1 EPS MissTRV Earnings: The Travelers Companies Drops on Q1 EPS Miss
msn.com - April 17 at 1:33 PM
Travelers (TRV) Misses Q1 Earnings Estimates, Raises DividendTravelers (TRV) Misses Q1 Earnings Estimates, Raises Dividend
finance.yahoo.com - April 17 at 1:33 PM
Travelers (TRV) Misses Q1 Earnings Estimates, Raises DividendTravelers (TRV) Misses Q1 Earnings Estimates, Raises Dividend
zacks.com - April 17 at 1:06 PM
The Travelers Companies, Inc. 2024 Q1 - Results - Earnings Call PresentationThe Travelers Companies, Inc. 2024 Q1 - Results - Earnings Call Presentation
seekingalpha.com - April 17 at 12:44 PM
TRV Stock Earnings: Travelers Companies Misses EPS, Beats Revenue for Q1 2024TRV Stock Earnings: Travelers Companies Misses EPS, Beats Revenue for Q1 2024
investorplace.com - April 17 at 12:01 PM
Travelers reports catastrophe losses grew by 33% during the quarterTravelers reports catastrophe losses grew by 33% during the quarter
marketwatch.com - April 17 at 11:01 AM
Shares of insurer Travelers are having their worst day in four yearsShares of insurer Travelers are having their worst day in four years
marketwatch.com - April 17 at 11:01 AM
Heres What Key Metrics Tell Us About Travelers (TRV) Q1 EarningsHere's What Key Metrics Tell Us About Travelers (TRV) Q1 Earnings
zacks.com - April 17 at 10:31 AM
Travelers’ stock suffers biggest selloff in 4 years after profit missTravelers’ stock suffers biggest selloff in 4 years after profit miss
marketwatch.com - April 17 at 10:06 AM
Travelers Companies Inc Surpasses Earnings Expectations in Q1 2024Travelers Companies Inc Surpasses Earnings Expectations in Q1 2024
gurufocus.com - April 17 at 10:06 AM
Travelers (TRV) Lags Q1 Earnings EstimatesTravelers (TRV) Lags Q1 Earnings Estimates
zacks.com - April 17 at 9:16 AM

New MarketBeat Followers Over Time

Media Sentiment Over Time

Top Headlines

All Headlines

Company Descriptions

American International Group logo

American International Group

NYSE:AIG
American International Group, Inc. offers insurance products for commercial, institutional, and individual customers in North America and internationally. It operates through three segments: General Insurance, Life and Retirement, and Other Operations. The General Insurance segment provides commercial and industrial property insurance, including business interruption and package insurance that cover exposure to made and natural disasters; general liability, environmental, commercial automobile liability, workers' compensation, excess casualty, and crisis management insurance products; and professional liability insurance. This segment offers marine, energy-related property insurance, aviation, political risk, trade credit, trade finance, and portfolio solutions, as well as operates reinsurance business; voluntary and sponsor-paid personal accident, and supplemental health products; and personal auto and personal property insurance. Its Life and Retirement segment offers individual retirement products, including variable, fixed index, and fixed annuities, as well as retail mutual funds; group retirement products comprising record-keeping, plan administrative and compliance services, financial planning, and advisory solutions; life insurance, including term and universal life insurance; and institutional markets products, which includes wrap products, structured settlement, pension risk transfer annuities, corporate and bank-owned life insurance, high net worth, and guaranteed investment contract products. It distributes its products through a network of brokers, agents, advisors, banks, and other distributors. The company was founded in 1919 and is headquartered in New York, New York.
Allstate logo

Allstate

NYSE:ALL
The Allstate Corporation, together with its subsidiaries, provides property and casualty, and other insurance products in the United States and Canada. It operates in five segments: Allstate Protection; Protection Services; Allstate Health and Benefits; Run-off Property-Liability; and Corporate and Other segments. The Allstate Protection segment offers private passenger auto and homeowners insurance; other personal lines products; and commercial lines products through agents, contact centers, and online. The Protection Services segment provides consumer product protection; protection and insurance products, including vehicle service contracts, guaranteed asset protection, road hazard tire and wheel, and paintless dent repair protection; and roadside assistance, device and mobile data collection services, and analytic solutions using automotive telematics information, as well as identity theft protection and remediation services. This segment also offers its products under various brands, including Allstate Protection Plans, Allstate Dealer Services, Allstate Roadside, Arity, Avail, and Allstate Identity Protection. The Allstate Health and Benefits segment provides life, accident, critical illness, short-term disability, and other health insurance products; stop-loss and fully insured group health products to employers; and short-term medical and medicare supplement insurance to individuals. The Run-off Property-Liability segment offers property and casualty insurance coverage that primarily relates to policies written during the 1960s through the mid-1980s. The Corporate and Other segment provides debt services, as well as non-insurance operations. It sells its products through agents, independent agents, call and contact centers, retailers, direct to consumer, wholesale partners, and affinity groups, as well as through online and mobile applications. The Allstate Corporation was founded in 1931 and is headquartered in Northbrook, Illinois.
MS&AD Insurance Group logo

MS&AD Insurance Group

OTCMKTS:MSADY
MS&AD Insurance Group Holdings, Inc., an insurance holding company, provides insurance and financial services worldwide. The company offers domestic non-life insurance; life insurance; international business; financial services; and provides risk-related services. The company was formerly known as Mitsui Sumitomo Insurance Group Holdings, Inc. and changed its name to MS&AD Insurance Group Holdings, Inc. in April 2010. MS&AD Insurance Group Holdings, Inc. was founded in 1918 and is headquartered in Tokyo, Japan.
Tokio Marine logo

Tokio Marine

OTCMKTS:TKOMY
Tokio Marine Holdings, Inc., together with its subsidiaries, engages in non-life and life insurance, international insurance, and financial and general businesses worldwide. The company provides business, fire, Internet and mobile, rental housing, and natural catastrophe risk insurance services, as well as insurance for retail and corporate fields. It also provides property investment, insurance agency and risk consulting, human resource, in-home care and nursing care information, healthcare/medical, call center, and real estate-related services. Tokio Marine Holdings, Inc. serves individuals, small to medium sized non-profit organizations, schools, or churches. The company was formerly known as Millea Holdings, Inc. and changed its name to Tokio Marine Holdings, Inc. in 2008. Tokio Marine Holdings, Inc. was founded in 1879 and is headquartered in Tokyo, Japan.
Travelers Companies logo

Travelers Companies

NYSE:TRV
The Travelers Companies, Inc., through its subsidiaries, provides a range of commercial and personal property, and casualty insurance products and services to businesses, government units, associations, and individuals in the United States and internationally. The company operates through three segments: Business Insurance, Bond & Specialty Insurance, and Personal Insurance. The Business Insurance segment offers workers' compensation, commercial automobile and property, general liability, commercial multi-peril, employers' liability, public and product liability, professional indemnity, marine, aviation, onshore and offshore energy, construction, terrorism, personal accident, and kidnap and ransom insurance products. This segment operates through select accounts, which serve small businesses; commercial accounts that serve mid-sized businesses; national accounts, which serve large companies; and national property and other that serve large and mid-sized customers, commercial trucking industry, and agricultural businesses, as well as markets and distributes its products through brokers, wholesale agents, and program managers. The Bond & Specialty Insurance segment provides surety, fidelity, management and professional liability, and other property and casualty coverages and related risk management services through independent agencies and brokers. The Personal Insurance segment offers property and casualty insurance covering personal risks, primarily automobile and homeowners' insurance to individuals through independent agencies and brokers. The Travelers Companies, Inc. was founded in 1853 and is based in New York, New York.