*00070 2013 20100100* COMBINED ANNUAL STATEMENT THE...

94
COMBINED PROPERTY AND CASUALTY COMPANIES - ASSOCIATION EDITION *00070201320100100* COMBINED ANNUAL STATEMENT For the Year Ended December 31, 2013 of the Condition and Affairs of THE TRAVELERS COMPANIES, INC. and its affiliated property and casualty insurers This annual statement contains combined data for the property and casualty insurance companies listed above, compiled in accordance with the NAIC instructions for the completion of annual statements. NAIC Group Code.....3548 NAIC Combined Company Code..... 00070 Mail Address One Tower Square Hartford CT 06183 (Street and Number) (City or Town, State and Zip Code) Statutory Statement Contact Michael J Doody 860-277-3966 (Name) (Area Code) (Telephone Number) NAMES OF COMPANIES INCLUDED IN THIS STATEMENT Name of Company NAIC Company Code State of Domicile American Equity Insurance Company 43117 AZ American Equity Specialty Insurance Company 10819 CT Commercial Guaranty Insurance Company 38385 DE Discover Property & Casualty Insurance Company 36463 CT Discover Specialty Insurance Company 10213 CT Farmington Casualty Company 41483 CT Fidelity and Guaranty Insurance Company 35386 IA Fidelity and Guaranty Insurance Underwriters, Inc. 25879 WI First Floridian Auto and Home Insurance Company 10647 FL Gulf Underwriters Insurance Company 42811 CT Northfield Insurance Company 27987 IA Northland Casualty Company 24031 CT Northland Insurance Company 24015 CT Select Insurance Company 22233 TX St. Paul Fire and Casualty Insurance Company 40967 WI St. Paul Fire and Marine Insurance Company 24767 CT St. Paul Guardian Insurance Company 24775 CT St. Paul Mercury Insurance Company 24791 CT St. Paul Protective Insurance Company 19224 CT St. Paul Surplus Lines Insurance Company 30481 DE The Automobile Insurance Company of Hartford, Connecticut 19062 CT The Charter Oak Fire Insurance Company 25615 CT The Phoenix Insurance Company 25623 CT The Premier Insurance Company of Massachusetts 12850 MA The Standard Fire Insurance Company 19070 CT The Travelers Casualty Company 41769 CT The Travelers Home and Marine Insurance Company 27998 CT The Travelers Indemnity Company 25658 CT The Travelers Indemnity Company of America 25666 CT The Travelers Indemnity Company of Connecticut 25682 CT The Travelers Lloyds Insurance Company 41262 TX TravCo Insurance Company 28188 CT Travelers Casualty and Surety Company 19038 CT Travelers Casualty and Surety Company of America 31194 CT Travelers Casualty Company of Connecticut 36170 CT Travelers Casualty Insurance Company of America 19046 CT Travelers Commercial Casualty Company 40282 CT Travelers Commercial Insurance Company 36137 CT Travelers Constitution State Insurance Company 41750 CT Travelers Excess and Surplus Lines Company 29696 CT Travelers Lloyds of Texas Insurance Company 41564 TX Travelers Personal Insurance Company 38130 CT Travelers Personal Security Insurance Company 36145 CT Travelers Property Casualty Company of America 25674 CT Travelers Property Casualty Insurance Company 36161 CT United States Fidelity and Guaranty Company 25887 CT a. Is this an original filing? Yes [X] No [ ] b. If no, 1. State the amendment number 2. Date filed 3. Number of pages attached

Transcript of *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE...

Page 1: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

COMBINED PROPERTY AND CASUALTY COMPANIES - ASSOCIATION EDITION

*00070201320100100*

COMBINED ANNUAL STATEMENTFor the Year Ended December 31, 2013

of the Condition and Affairs of

THE TRAVELERS COMPANIES, INC.and its affiliated property and casualty insurers

This annual statement contains combined data for the property and casualty insurance companies listed above, compiled inaccordance with the NAIC instructions for the completion of annual statements.

NAIC Group Code.....3548 NAIC Combined Company Code..... 00070

Mail Address One Tower Square Hartford CT 06183 (Street and Number) (City or Town, State and Zip Code)

Statutory Statement Contact Michael J Doody 860-277-3966 (Name) (Area Code) (Telephone Number)

NAMES OF COMPANIES INCLUDED IN THIS STATEMENTName of Company NAIC Company Code State of Domicile

American Equity Insurance Company 43117 AZAmerican Equity Specialty Insurance Company 10819 CT

Commercial Guaranty Insurance Company 38385 DEDiscover Property & Casualty Insurance Company 36463 CT

Discover Specialty Insurance Company 10213 CTFarmington Casualty Company 41483 CT

Fidelity and Guaranty Insurance Company 35386 IAFidelity and Guaranty Insurance Underwriters, Inc. 25879 WIFirst Floridian Auto and Home Insurance Company 10647 FL

Gulf Underwriters Insurance Company 42811 CTNorthfield Insurance Company 27987 IANorthland Casualty Company 24031 CTNorthland Insurance Company 24015 CT

Select Insurance Company 22233 TXSt. Paul Fire and Casualty Insurance Company 40967 WISt. Paul Fire and Marine Insurance Company 24767 CT

St. Paul Guardian Insurance Company 24775 CTSt. Paul Mercury Insurance Company 24791 CT

St. Paul Protective Insurance Company 19224 CTSt. Paul Surplus Lines Insurance Company 30481 DE

The Automobile Insurance Company of Hartford, Connecticut 19062 CTThe Charter Oak Fire Insurance Company 25615 CT

The Phoenix Insurance Company 25623 CTThe Premier Insurance Company of Massachusetts 12850 MA

The Standard Fire Insurance Company 19070 CTThe Travelers Casualty Company 41769 CT

The Travelers Home and Marine Insurance Company 27998 CTThe Travelers Indemnity Company 25658 CT

The Travelers Indemnity Company of America 25666 CTThe Travelers Indemnity Company of Connecticut 25682 CT

The Travelers Lloyds Insurance Company 41262 TXTravCo Insurance Company 28188 CT

Travelers Casualty and Surety Company 19038 CTTravelers Casualty and Surety Company of America 31194 CT

Travelers Casualty Company of Connecticut 36170 CTTravelers Casualty Insurance Company of America 19046 CT

Travelers Commercial Casualty Company 40282 CTTravelers Commercial Insurance Company 36137 CT

Travelers Constitution State Insurance Company 41750 CTTravelers Excess and Surplus Lines Company 29696 CTTravelers Lloyds of Texas Insurance Company 41564 TX

Travelers Personal Insurance Company 38130 CTTravelers Personal Security Insurance Company 36145 CTTravelers Property Casualty Company of America 25674 CTTravelers Property Casualty Insurance Company 36161 CT

United States Fidelity and Guaranty Company 25887 CT

a. Is this an original filing? Yes [X] No [ ]b. If no,

1. State the amendment number2. Date filed3. Number of pages attached

Page 2: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

2

ASSETSCurrent Year Prior Year

1 2 3 4Net Admitted

Nonadmitted Assets NetAssets Assets (Cols. 1 - 2) Admitted Assets

1. Bonds (Schedule D)................................................................................................................. ...........56,530,457,353 ..................................0 ...........56,530,457,353 ...........57,377,976,906

2. Stocks (Schedule D):

2.1 Preferred stocks............................................................................................................. ................104,326,604 ..................................0 ................104,326,604 ................114,215,064

2.2 Common stocks............................................................................................................. .............1,437,148,122 ..................17,381,936 .............1,419,766,187 ................861,098,000

3. Mortgage loans on real estate (Schedule B):

3.1 First liens........................................................................................................................ ..................44,765,835 ..................................0 ..................44,765,835 ..................46,263,437

3.2 Other than first liens....................................................................................................... ..................................0 ..................................0 ..................................0 ....................1,125,000

4. Real estate (Schedule A):

4.1 Properties occupied by the company (less $............0 encumbrances).............................................................................................................. ................293,602,458 ..................................0 ................293,602,458 ................276,207,696

4.2 Properties held for the production of income (less $............0 encumbrances).............................................................................................................. ................710,584,737 ..................................0 ................710,584,737 ................647,740,328

4.3 Properties held for sale (less $..........0 encumbrances)................................................ ..................................0 ..................................0 ..................................0 ..................................0

5. Cash ($.....(510,877,235), Sch. E-Part 1), cash equivalents ($.....145,444,717, Sch. E-Part 2) and short-term investments ($.....1,819,389,094, Sch. DA)............................ .............1,453,956,576 ..................................0 .............1,453,956,576 ................705,634,567

6. Contract loans (including $..........0 premium notes)................................................................ ....................3,541,199 ....................3,541,199 ..................................0 ..................................0

7. Derivatives (Schedule DB)....................................................................................................... ..................................0 ..................................0 ..................................0 ..................................0

8. Other invested assets (Schedule BA)...................................................................................... .............3,524,069,397 ................472,141,865 .............3,051,927,532 .............3,029,424,910

9. Receivables for securities........................................................................................................ .......................412,031 ..................................0 .......................412,031 ....................1,100,000

10. Securities lending reinvested collateral assets (Schedule DL)............................................... ................134,431,924 ..................................0 ................134,431,924 ................412,011,704

11. Aggregate write-ins for invested assets................................................................................... .................(12,488,268) ..................................0 .................(12,488,268) .................(16,588,264)

12. Subtotals, cash and invested assets (Lines 1 to 11)............................................................... ...........64,224,807,967 ................493,065,000 ...........63,731,742,967 ...........63,456,209,347

13. Title plants less $..........0 charged off (for Title insurers only)................................................. ..................................0 ..................................0 ..................................0 ..................................0

14. Investment income due and accrued....................................................................................... ................684,557,342 ..................................0 ................684,557,342 ................710,500,476

15. Premiums and considerations:

15.1 Uncollected premiums and agents' balances in course of collection........................... .............1,391,371,174 ................174,848,046 .............1,216,523,127 .............1,165,341,656

15.2 Deferred premiums, agents' balances and installments booked but deferred and not yet due (including $.....147,187,797 earned but unbilled premiums).............. .............4,188,462,804 ..................27,615,643 .............4,160,847,161 .............4,219,041,949

15.3 Accrued retrospective premiums................................................................................... ..................97,991,781 ....................2,839,135 ..................95,152,646 ................114,224,371

16. Reinsurance:

16.1 Amounts recoverable from reinsurers........................................................................... ................400,209,941 ..................................0 ................400,209,941 ................447,316,308

16.2 Funds held by or deposited with reinsured companies................................................ ..................22,042,377 ..................................0 ..................22,042,377 ..................24,882,014

16.3 Other amounts receivable under reinsurance contracts............................................... ..................................0 ..................................0 ..................................0 ..................................0

17. Amounts receivable relating to uninsured plans..................................................................... ..................................0 ..................................0 ..................................0 ..................................0

18.1 Current federal and foreign income tax recoverable and interest thereon............................. ..................................0 ..................................0 ..................................0 ..................................0

18.2 Net deferred tax asset.............................................................................................................. .............2,313,680,067 ................723,864,024 .............1,589,816,044 .............1,726,493,429

19. Guaranty funds receivable or on deposit................................................................................. ..................11,061,979 ..................................0 ..................11,061,979 ..................12,245,560

20. Electronic data processing equipment and software.............................................................. ..................86,305,135 ..................................0 ..................86,305,135 ..................75,101,480

21. Furniture and equipment, including health care delivery assets ($..........0)........................... ................196,375,714 ................196,375,714 ..................................0 ..................................0

22. Net adjustment in assets and liabilities due to foreign exchange rates.................................. ..................................0 ..................................0 ..................................0 ....................6,376,130

23. Receivables from parent, subsidiaries and affiliates............................................................... ..................30,331,148 ..................................0 ..................30,331,148 ..................29,837,962

24. Health care ($..........0) and other amounts receivable............................................................ ..................................0 ..................................0 ..................................0 ..................................0

25. Aggregate write-ins for other than invested assets................................................................. .............1,481,385,682 ................889,932,139 ................591,453,543 ................607,469,087

26. Total assets excluding Separate Accounts, Segregated Accounts and Protected Cell Accounts (Lines 12 to 25)................................................................................................. ...........75,128,583,110 .............2,508,539,700 ...........72,620,043,410 ...........72,595,039,770

27. From Separate Accounts, Segregated Accounts and Protected Cell Accounts..................... ..................................0 ..................................0 ..................................0 ..................................0

28. TOTALS (Lines 26 and 27)...................................................................................................... ...........75,128,583,110 .............2,508,539,700 ...........72,620,043,410 ...........72,595,039,770

DETAILS OF WRITE-INS

1101. Combined write-ins for Assets Line 11.................................................................................... .................(12,488,268) ..................................0 .................(12,488,268) .................(16,588,264)

1102. .................................................................................................................................................. ..................................... ..................................... ..................................... .....................................

1103. .................................................................................................................................................. ..................................... ..................................... ..................................... .....................................

1198. Summary of remaining write-ins for Line 11 from overflow page............................................ ..................................... ..................................... ..................................... .....................................

1199. Totals (Lines 0901 thru 1103 plus 1198) (Line 11 above)...................................................... .................(12,488,268) ..................................0 .................(12,488,268) .................(16,588,264)

2501. Combined write-ins for Assets Line 25.................................................................................... .............1,481,385,682 ................889,932,139 ................591,453,543 ................607,469,087

2502. .................................................................................................................................................. ..................................... ..................................... ..................................... .....................................

2503. .................................................................................................................................................. ..................................... ..................................... ..................................... .....................................

2598. Summary of remaining write-ins for Line 25 from overflow page............................................ ..................................... ..................................... ..................................... .....................................

2599. Totals (Lines 2501 thru 2503 plus 2598) (Line 25 above)...................................................... .............1,481,385,682 ................889,932,139 ................591,453,543 ................607,469,087

Page 3: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

3

LIABILITIES, SURPLUS AND OTHER FUNDS1 2

Current Year Prior Year

1. Losses (Part 2A, Line 35, Column 8)....................................................................................................................................................................... .........30,895,625,896 .........31,488,422,036

2. Reinsurance payable on paid loss and loss adjustment expenses (Schedule F, Part 1, Column 6)....................................................................... ..................6,845,834 ..................8,551,659

3. Loss adjustment expenses (Part 2A, Line 35, Column 9)........................................................................................................................................ ...........7,122,521,782 ...........7,254,571,411

4. Commissions payable, contingent commissions and other similar charges............................................................................................................ ..............652,109,603 ..............623,630,052

5. Other expenses (excluding taxes, licenses and fees).............................................................................................................................................. ..............675,726,157 ..............610,370,512

6. Taxes, licenses and fees (excluding federal and foreign income taxes).................................................................................................................. ..............372,516,441 ..............407,487,621

7.1 Current federal and foreign income taxes (including $.....(205,490,380) on realized capital gains (losses))........................................................... ................62,645,966 ..............157,356,317

7.2 Net deferred tax liability............................................................................................................................................................................................ ................................0 ................................0

8. Borrowed money $.....200,992 and interest thereon $.....37,815............................................................................................................................. .....................238,807 .....................273,385

9. Unearned premiums (Part 1A, Line 38, Column 5) (after deducting unearned premiums for ceded reinsurance of $.....755,915,174 and including warranty reserves of $..........0 and accrued accident and health experience rating refunds including $..........0 for medical loss ratio rebate per the Public Health Service Act)................................................................................................ ...........9,880,262,412 ...........9,819,647,092

10. Advance premiums................................................................................................................................................................................................... ................83,475,724 ................80,530,311

11. Dividends declared and unpaid:

11.1 Stockholders..................................................................................................................................................................................................... ................................0 ................................0

11.2 Policyholders.................................................................................................................................................................................................... ................53,442,672 ................58,690,579

12. Ceded reinsurance premiums payable (net of ceding commissions)....................................................................................................................... ..............223,403,531 ..............279,371,701

13. Funds held by company under reinsurance treaties (Schedule F, Part 3, Column 19)............................................................................................ ..............229,271,181 ..............220,919,958

14. Amounts withheld or retained by company for account of others............................................................................................................................. ...........1,291,766,255 ...........1,296,724,921

15. Remittances and items not allocated....................................................................................................................................................................... ..............230,908,454 ..............239,347,724

16. Provision for reinsurance (including $.....1,723,450 certified) (Schedule F, Part 8)................................................................................................. ..............159,680,702 ..............201,319,976

17. Net adjustments in assets and liabilities due to foreign exchange rates.................................................................................................................. ................25,128,050 ................................0

18. Drafts outstanding.................................................................................................................................................................................................... ................................0 ................................0

19. Payable to parent, subsidiaries and affiliates........................................................................................................................................................... ................................0 ...............................(0)

20. Derivatives................................................................................................................................................................................................................ .....................112,003 ................................0

21. Payable for securities............................................................................................................................................................................................... ................39,575,343 ................64,966,038

22. Payable for securities lending.................................................................................................................................................................................. ..............134,431,924 ..............412,011,704

23. Liability for amounts held under uninsured plans..................................................................................................................................................... ................................0 ................................0

24. Capital notes $..........0 and interest thereon $..........0............................................................................................................................................. ................................0 ................................0

25. Aggregate write-ins for liabilities............................................................................................................................................................................... ................75,051,974 ................53,437,632

26. Total liabilities excluding protected cell liabilities (Lines 1 through 25).................................................................................................................... .........52,214,740,712 .........53,277,630,626

27. Protected cell liabilities............................................................................................................................................................................................. ................................0 ................................0

28. Total liabilities (Lines 26 and 27).............................................................................................................................................................................. .........52,214,740,712 .........53,277,630,626

29. Aggregate write-ins for special surplus funds........................................................................................................................................................... ................72,335,761 ................82,957,029

30. Common capital stock.............................................................................................................................................................................................. ................60,790,700 ................60,790,700

31. Preferred capital stock.............................................................................................................................................................................................. ................................0 ................................0

32. Aggregate write-ins for other than special surplus funds........................................................................................................................................ ................................0 ................................0

33. Surplus notes........................................................................................................................................................................................................... ................................0 ................................0

34. Gross paid in and contributed surplus...................................................................................................................................................................... .........10,725,834,109 .........10,275,834,109

35. Unassigned funds (surplus)...................................................................................................................................................................................... ...........9,546,342,128 ...........8,897,827,306

36. Less treasury stock, at cost:

36.1 ..........0.000 shares common (value included in Line 30 $..........0)............................................................................................................... ................................0 ................................0

36.2 ..........0.000 shares preferred (value included in Line 31 $..........0).............................................................................................................. ................................0 ................................0

37. Surplus as regards policyholders (Lines 27 to 33, less 34) (Page 4, Line 38)......................................................................................................... .........20,405,302,698 .........19,317,409,143

38. TOTALS (Page 2, Line 28, Col. 3)........................................................................................................................................................................... .........72,620,043,410 .........72,595,039,770

DETAILS OF WRITE-INS2501. Combined write-ins for Liabilities Line 25................................................................................................................................................................. ................75,051,974 ................53,437,6322502. ................................................................................................................................................................................................................................. ................................... ...................................2503. ................................................................................................................................................................................................................................. ................................... ...................................2598. Summary of remaining write-ins for Line 25 from overflow page............................................................................................................................. ................................... ...................................2599. Totals (Lines 2501 thru 2503 plus 2598) (Line 25 above)........................................................................................................................................ ................75,051,974 ................53,437,6322901. Combined write-ins for Liabilities Line 29................................................................................................................................................................. ................72,335,761 ................82,957,0292902. ................................................................................................................................................................................................................................. ................................... ...................................2903. ................................................................................................................................................................................................................................. ................................... ...................................2998. Summary of remaining write-ins for Line 29 from overflow page............................................................................................................................. ................................... ...................................2999. Totals (Lines 2901 thru 2903 plus 2998) (Line 29 above)........................................................................................................................................ ................72,335,761 ................82,957,0293201. ................................................................................................................................................................................................................................. ................................0 ................................03202. ................................................................................................................................................................................................................................. ................................... ...................................3203. ................................................................................................................................................................................................................................. ................................... ...................................3298. Summary of remaining write-ins for Line 32 from overflow page............................................................................................................................. ................................... ...................................3299. Totals (Lines 3201 thru 3203 plus 3298) (Line 32 above)........................................................................................................................................ ................................0 ................................0

Page 4: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

4

STATEMENT OF INCOME1 2

UNDERWRITING INCOME Current Year Prior Year1. Premiums earned (Part 1, Line 35, Column 4)............................................................................................................................................... .............21,532,556,310 .............21,424,774,709

DEDUCTIONS2. Losses incurred (Part 2, Line 35, Column 7).................................................................................................................................................. .............10,115,713,411 .............11,771,209,4373. Loss adjustment expenses incurred (Part 3, Line 25, Column 1).................................................................................................................. ................2,390,847,079 ................2,332,243,2854. Other underwriting expenses incurred (Part 3, Line 25, Column 2).............................................................................................................. ................6,741,084,614 ................6,878,695,0075. Aggregate write-ins for underwriting deductions............................................................................................................................................ .....................................0 .....................................06. Total underwriting deductions (Lines 2 through 5)......................................................................................................................................... .............19,247,645,104 .............20,982,147,7297. Net income of protected cells.......................................................................................................................................................................... .....................................0 .....................................08. Net underwriting gain (loss) (Line 1 minus Line 6 plus Line 7)...................................................................................................................... ................2,284,911,206 ...................442,626,980

INVESTMENT INCOME9. Net investment income earned (Exhibit of Net Investment Income, Line 17)................................................................................................ ................2,592,307,499 ................2,737,689,17710. Net realized capital gains (losses) less capital gains tax of $.....18,768,744 (Exhibit of Capital Gains (Losses))........................................ ...................170,108,375 .....................59,550,22311. Net investment gain (loss) (Lines 9 + 10)....................................................................................................................................................... ................2,762,415,874 ................2,797,239,400

OTHER INCOME 12. Net gain (loss) from agents' or premium balances charged off (amount recovered $.....10,887,009

amount charged off $.....59,010,174)............................................................................................................................................................ ...................(48,123,165) ...................(50,402,852)13. Finance and service charges not included in premiums................................................................................................................................ .....................86,238,938 .....................94,965,45514. Aggregate write-ins for miscellaneous income............................................................................................................................................... ...................164,508,663 .....................38,673,26315. Total other income (Lines 12 through 14)...................................................................................................................................................... ...................202,624,436 .....................83,235,86516. Net income before dividends to policyholders, after capital gains tax and before all other federal and foreign

income taxes (Lines 8 + 11 + 15)................................................................................................................................................................... ................5,249,951,517 ................3,323,102,24417. Dividends to policyholders.............................................................................................................................................................................. .....................34,795,421 .....................46,029,49818. Net income, after dividends to policyholders, after capital gains tax and before all other federal and foreign

income taxes (Line 16 minus Line 17)............................................................................................................................................................ ................5,215,156,095 ................3,277,072,74619. Federal and foreign income taxes incurred.................................................................................................................................................... ................1,155,990,064 ...................571,685,46820. Net income (Line 18 minus Line 19) (to Line 22)........................................................................................................................................... ................4,059,166,032 ................2,705,387,278

CAPITAL AND SURPLUS ACCOUNT 21. Surplus as regards policyholders, December 31 prior year (Page 4, Line 39, Column 2)............................................................................ .............19,317,409,143 .............18,586,650,960

GAINS AND (LOSSES) IN SURPLUS 22. Net income (from Line 20).............................................................................................................................................................................. ................4,059,166,032 ................2,705,387,27823. Net transfers (to) from Protected Cell accounts............................................................................................................................................. .....................................0 .....................................024. Change in net unrealized capital gains or (losses) less capital gains tax of $.....(2,312,796)....................................................................... .................(506,628,504) ...................109,021,84425. Change in net unrealized foreign exchange capital gain (loss)..................................................................................................................... ...................(26,499,360) .....................16,954,47826. Change in net deferred income tax................................................................................................................................................................ .................(241,639,833) .................(138,941,684)27. Change in nonadmitted assets (Exhibit of Nonadmitted Assets, Line 28 Column 3).................................................................................... ...................209,605,258 ......................(9,877,919)28. Change in provision for reinsurance (Page 3, Line 16, Column 2 minus Column 1).................................................................................... .....................41,639,273 .....................40,521,96329. Change in surplus notes................................................................................................................................................................................. .....................................0 .....................................030. Surplus (contributed to) withdrawn from protected cells................................................................................................................................ .....................................0 .....................................031. Cumulative effect of changes in accounting principles.................................................................................................................................. .....................................0 ...................(30,307,776)32. Capital changes:

32.1 Paid in.................................................................................................................................................................................................... .....................................0 .....................................032.2 Transferred from surplus (Stock Dividend)............................................................................................................................................ .....................................0 .....................................032.3 Transferred to surplus............................................................................................................................................................................ .....................................0 .....................................0

33. Surplus adjustments: 33.1 Paid in.................................................................................................................................................................................................... ...................450,000,000 .....................................033.2 Transferred to capital (Stock Dividend)................................................................................................................................................. .....................................0 .....................................033.3. Transferred from capital........................................................................................................................................................................ .....................................0 .....................................0

34. Net remittances from or (to) Home Office....................................................................................................................................................... .....................................0 .....................................035. Dividends to stockholders............................................................................................................................................................................... ..............(2,908,800,000) ..............(1,962,000,000)36. Change in treasury stock (Page 3, Lines 36.1 and 36.2, Column 2 minus Column 1)................................................................................. .....................................0 .....................................037. Aggregate write-ins for gains and losses in surplus....................................................................................................................................... .....................11,050,687 .....................................038. Change in surplus as regards policyholders for the year (Lines 22 through 37)........................................................................................... ................1,087,893,554 ...................730,758,18339. Surplus as regards policyholders, December 31 current year (Line 21 plus Line 38) (Page 3, Line 37)..................................................... .............20,405,302,698 .............19,317,409,143

DETAILS OF WRITE-INS0501. ......................................................................................................................................................................................................................... .....................................0 .....................................00502. ......................................................................................................................................................................................................................... ........................................ ........................................0503. ......................................................................................................................................................................................................................... ........................................ ........................................0598. Summary of remaining write-ins for Line 5 from overflow page..................................................................................................................... ........................................ ........................................0599. Totals (Lines 0501 thru 0503 plus 0598) (Line 5 above)............................................................................................................................... .....................................0 .....................................01401. Combined write-ins for Statement of Income Line 14.................................................................................................................................... ...................164,508,663 .....................38,673,2631402. ......................................................................................................................................................................................................................... ........................................ ........................................1403. ......................................................................................................................................................................................................................... ........................................ ........................................1498. Summary of remaining write-ins for Line 14 from overflow page................................................................................................................... ........................................ ........................................1499. Totals (Lines 1401 thru 1403 plus 1498) (Line 14 above)............................................................................................................................. ...................164,508,663 .....................38,673,2633701. Combined write-ins for Statement of Income Line 37.................................................................................................................................... .....................11,050,687 .....................................03702. ......................................................................................................................................................................................................................... ........................................ ........................................3703. ......................................................................................................................................................................................................................... ........................................ ........................................3798. Summary of remaining write-ins for Line 37 from overflow page................................................................................................................... ........................................ ........................................3799. Totals (Lines 3701 thru 3703 plus 3798) (Line 37 above)............................................................................................................................. .....................11,050,687 .....................................0

Page 5: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

5

CASH FLOW1 2

Current Year Prior Year CASH FROM OPERATIONS

1. Premiums collected net of reinsurance.................................................................................................................................................. ..................21,584,509,485 ..................21,373,611,1442. Net investment income........................................................................................................................................................................... ....................2,985,777,151 ....................3,096,064,4213. Miscellaneous income............................................................................................................................................................................ .......................202,624,436 .........................83,235,8654. Total (Lines 1 through 3)........................................................................................................................................................................ ..................24,772,911,072 ..................24,552,911,4315. Benefit and loss related payments......................................................................................................................................................... ..................10,660,269,372 ..................11,454,135,5376. Net transfers to Separate Accounts, Segregated Accounts and Protected Cell Accounts................................................................... ..........................................0 ..........................................07. Commissions, expenses paid and aggregate write-ins for deductions................................................................................................. ....................9,207,109,888 ....................9,287,875,2408. Dividends paid to policyholders.............................................................................................................................................................. .........................40,043,328 .........................41,694,0999. Federal and foreign income taxes paid (recovered) net of $.....51,265,707 tax on capital gains (losses)........................................... ....................1,269,469,158 .......................350,966,59510. Total (Lines 5 through 9)........................................................................................................................................................................ ..................21,176,891,746 ..................21,134,671,47111. Net cash from operations (Line 4 minus Line 10).................................................................................................................................. ....................3,596,019,326 ....................3,418,239,960

CASH FROM INVESTMENTS 12. Proceeds from investments sold, matured or repaid:

12.1 Bonds........................................................................................................................................................................................... ....................8,773,630,140 ....................8,620,350,86912.2 Stocks........................................................................................................................................................................................... .......................465,750,878 .......................148,593,02112.3 Mortgage loans............................................................................................................................................................................ ...........................2,589,786 .........................33,435,35712.4 Real estate................................................................................................................................................................................... .........................17,492,084 .........................67,101,22112.5 Other invested assets.................................................................................................................................................................. .......................359,763,732 .......................523,005,62512.6 Net gains or (losses) on cash, cash equivalents and short-term investments............................................................................ ................................13,229 ................................46,72612.7 Miscellaneous proceeds.............................................................................................................................................................. .......................418,320,164 .........................96,230,55812.8 Total investment proceeds (Lines 12.1 to 12.7).......................................................................................................................... ..................10,037,560,012 ....................9,488,763,376

13. Cost of investments acquired (long-term only): 13.1 Bonds........................................................................................................................................................................................... ....................8,218,399,759 ....................9,555,341,54013.2 Stocks........................................................................................................................................................................................... ....................1,438,640,251 .......................187,656,20513.3 Mortgage loans............................................................................................................................................................................ ..........................................0 ..............................300,00013.4 Real estate................................................................................................................................................................................... .......................131,901,988 .........................87,644,36513.5 Other invested assets.................................................................................................................................................................. .......................446,716,565 .......................598,065,16013.6 Miscellaneous applications.......................................................................................................................................................... .........................49,816,381 .......................397,500,05013.7 Total investments acquired (Lines 13.1 to 13.6)......................................................................................................................... ..................10,285,474,944 ..................10,826,507,320

14. Net increase (decrease) in contract loans and premium notes............................................................................................................. ...........................2,561,489 .............................(328,164)15. Net cash from investments (Line 12.8 minus Lines 13.7 and 14)......................................................................................................... ......................(250,476,421) ...................(1,337,415,780)

CASH FROM FINANCING AND MISCELLANEOUS SOURCES 16. Cash provided (applied):

16.1 Surplus notes, capital notes......................................................................................................................................................... ..........................................0 ..........................................016.2 Capital and paid in surplus, less treasury stock.......................................................................................................................... .......................450,000,000 ..........................................016.3 Borrowed funds............................................................................................................................................................................ ...............................(34,602) ...............................(32,310)16.4 Net deposits on deposit-type contracts and other insurance liabilities....................................................................................... ..........................................0 ..........................................016.5 Dividends to stockholders............................................................................................................................................................ ....................2,908,800,000 ....................1,962,000,00016.6 Other cash provided (applied)..................................................................................................................................................... ......................(138,386,294) .......................272,019,599

17. Net cash from financing and miscellaneous sources (Lines 16.1 to 16.4 minus Line 16.5 plus Line 16.6)......................................... ...................(2,597,220,896) ...................(1,690,012,712) RECONCILIATION OF CASH, CASH EQUIVALENTS AND SHORT-TERM INVESTMENTS

18. Net change in cash, cash equivalents and short-term investments (Line 11 plus Line 15 plus Line 17)............................................. .......................748,322,009 .......................390,811,46819. Cash, cash equivalents and short-term investments:

19.1 Beginning of year......................................................................................................................................................................... .......................705,634,567 .......................314,823,09919.2 End of year (Line 18 plus Line 19.1)............................................................................................................................................ ....................1,453,956,576 .......................705,634,567

Note: Supplemental disclosures of cash flow information for non-cash transactions:20.0001 Exchange of bonds...................................................................................................................................................................... .........................26,026,350 .........................10,043,12620.0002 Exchange of stock........................................................................................................................................................................ .........................17,795,538 ...........................1,932,65020.0003 Stock distributions from limited partnerships............................................................................................................................... ...........................6,764,134 .........................31,724,89820.0004 Interest payment received in securities....................................................................................................................................... ...........................6,481,954 ...........................4,114,66720.0005 Distribution from limited partnership............................................................................................................................................ ...........................4,339,571 ..........................................020.0006 Bonds converted to stock............................................................................................................................................................. ..............................157,111 ..........................................020.0007 Dissolution of subsidiaries............................................................................................................................................................ ..........................................0 ...........................3,972,424

Page 6: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

6

UNDERWRITING AND INVESTMENT EXHIBIT PART 1 - PREMIUMS EARNED

1 2 3 4Unearned Premiums Unearned Premiums

Net December 31 December 31 PremiumsPremiums Prior Year- Current Year- EarnedWritten per per Col. 3 Last per Col. 5 During Year

Line of Business Column 6, Part 1B Year's Part 1 Part 1A (Cols. 1 + 2 - 3)

1. Fire...................................................................................................... .......................540,972,861 .......................233,037,509 .......................250,308,607 .......................523,701,762

2. Allied lines........................................................................................... .......................530,235,994 .......................232,498,420 .......................244,998,706 .......................517,735,708

3. Farmowners multiple peril................................................................... .......................164,701,116 .........................78,988,192 .........................78,373,755 .......................165,315,552

4. Homeowners multiple peril.................................................................. ....................3,282,707,667 ....................1,779,057,742 ....................1,750,511,276 ....................3,311,254,133

5. Commercial multiple peril.................................................................... ....................2,974,147,600 ....................1,349,549,111 ....................1,341,874,237 ....................2,981,822,475

6. Mortgage guaranty.............................................................................. .........................................0 .........................................0 .........................................0 .........................................0

8. Ocean marine...................................................................................... .......................269,981,484 .......................114,815,745 .......................111,355,507 .......................273,441,723

9. Inland marine...................................................................................... .......................625,157,481 .......................298,076,203 .......................302,931,060 .......................620,302,624

10. Financial guaranty............................................................................... .........................................0 ....................................(414) ....................................(258) ....................................(155)

11.1 Medical professional liability - occurrence........................................... ....................................(145) .................................(2,764) .................................(1,510) .................................(1,399)

11.2 Medical professional liability - claims-made........................................ ...............................(11,132) .........................................0 .......................................22 ...............................(11,155)

12. Earthquake.......................................................................................... .......................115,921,693 .........................49,158,115 .........................51,853,433 .......................113,226,375

13. Group accident and health.................................................................. .................................(2,014) ................................29,605 ................................24,337 ..................................3,254

14. Credit accident and health (group and individual)............................... .........................................0 .........................................0 .........................................0 .........................................0

15. Other accident and health................................................................... ...........................1,206,135 ..............................490,655 ..............................478,313 ...........................1,218,477

16. Workers' compensation....................................................................... ....................3,682,556,064 ....................1,309,089,724 ....................1,391,699,688 ....................3,599,946,100

17.1 Other liability - occurrence.................................................................. ....................1,702,428,848 .......................706,758,069 .......................731,208,491 ....................1,677,978,425

17.2 Other liability - claims-made................................................................ ....................1,003,271,491 .......................505,632,329 .......................548,051,484 .......................960,852,336

17.3 Excess workers' compensation........................................................... .........................22,134,263 ...........................5,493,601 ...........................7,218,058 .........................20,409,806

18.1 Products liability - occurrence............................................................. .......................158,460,120 .........................72,670,155 .........................72,157,255 .......................158,973,020

18.2 Products liability - claims-made........................................................... .........................23,600,346 .........................10,246,125 ...........................9,726,943 .........................24,119,528

19.1, 19.2 Private passenger auto liability........................................................... ....................2,108,962,415 .......................823,379,504 .......................772,541,690 ....................2,159,800,228

19.3, 19.4 Commercial auto liability..................................................................... ....................1,498,171,136 .......................681,412,051 .......................674,117,581 ....................1,505,465,606

21. Auto physical damage......................................................................... ....................1,704,350,841 .......................667,398,167 .......................657,867,242 ....................1,713,881,766

22. Aircraft (all perils)................................................................................ ................................91,023 .........................................0 ..................................1,530 ................................89,493

23. Fidelity................................................................................................. .......................191,303,260 .......................109,841,476 .......................114,402,914 .......................186,741,823

24. Surety.................................................................................................. .......................725,790,294 .......................459,531,801 .......................459,230,605 .......................726,091,490

26. Burglary and theft................................................................................ .........................39,886,470 .........................18,492,916 .........................19,385,332 .........................38,994,053

27. Boiler and machinery.......................................................................... .......................190,057,806 .........................80,724,821 .........................84,543,800 .......................186,238,827

28. Credit................................................................................................... .................................(3,672) ................................13,601 ..................................9,118 .....................................810

29. International........................................................................................ ...........................3,089,755 ...........................1,120,591 ................................79,096 ...........................4,131,251

30. Warranty.............................................................................................. .........................................0 .........................................0 .........................................0 .........................................0

31. Reinsurance - nonproportional assumed property.............................. .........................40,356,622 .........................14,931,582 .........................15,826,259 .........................39,461,946

32. Reinsurance - nonproportional assumed liability................................ .........................15,758,103 ...........................9,519,310 ...........................8,756,498 .........................16,520,915

33. Reinsurance - nonproportional assumed financial lines...................... ...........................1,686,921 ...........................1,249,632 ...........................1,116,051 ...........................1,820,503

34. Aggregate write-ins for other lines of business................................... ...........................2,511,828 ...........................2,111,996 ...........................1,594,816 ...........................3,029,008

35. TOTALS......................................................................................... ..................21,619,482,676 ....................9,615,315,571 ....................9,702,241,937 ..................21,532,556,310

DETAILS OF WRITE-INS

3401. Combined write-ins for U&I Part 1 Line 34.......................................... ...........................2,511,828 ...........................2,111,996 ...........................1,594,816 ...........................3,029,008

3402. ............................................................................................................ ............................................ ............................................ ............................................ ............................................

3403. ............................................................................................................ ............................................ ............................................ ............................................ ............................................

3498. Summary of remaining write-ins for Line 34 from overflow page........ ............................................ ............................................ ............................................ ............................................

3499. Totals (Lines 3401 thru 3403 plus 3498) (Line 34 above)................... ...........................2,511,828 ...........................2,111,996 ...........................1,594,816 ...........................3,029,008

Page 7: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

7

UNDERWRITING AND INVESTMENT EXHIBIT PART 1A - RECAPITULATION OF ALL PREMIUMS

(a) Gross premiums (less reinsurance) and unearned premiums on all unexpired risks and reserve for return premiums under rate credit or retrospective rating plans based upon experience, viz:

1 2 3 4 5Reserve for

Amount Unearned Amount Unearned Rate Credits Total Reserve(Running One Year (Running more than and Retrospective for Unearnedor Less from Date One Year from Earned But Adjustments Based Premiums

Line of Business of Policy) (a) Date of Policy) (a) Unbilled Premium on Experience Cols. 1 + 2 + 3 + 4

1. Fire................................................................................................. ...............246,611,635 ...................5,604,063 ..................(1,907,091) .................................0 ...............250,308,607

2. Allied lines...................................................................................... ...............238,321,522 ...................6,693,886 .......................(16,702) .................................0 ...............244,998,706

3. Farmowners multiple peril.............................................................. .................80,143,659 ..................(1,769,904) .................................0 .................................0 .................78,373,755

4. Homeowners multiple peril............................................................. ............1,750,545,911 .......................(34,635) .................................0 .................................0 ............1,750,511,276

5. Commercial multiple peril............................................................... ............1,355,566,311 ..................(1,547,404) ................(12,144,670) .................................0 ............1,341,874,237

6. Mortgage guaranty......................................................................... .................................0 .................................0 .................................0 .................................0 .................................0

8. Ocean marine................................................................................ ...............114,605,620 ...................1,274,705 ..................(4,524,818) .................................0 ...............111,355,507

9. Inland marine................................................................................. ...............248,950,418 .................56,569,892 ..................(2,589,249) .................................0 ...............302,931,060

10. Financial guaranty.......................................................................... .................................0 ............................(258) .................................0 .................................0 ............................(258)

11.1 Medical professional liability - occurrence..................................... .........................(1,510) .................................0 .................................0 .................................0 .........................(1,510)

11.2 Medical professional liability - claims-made................................... ...............................22 .................................0 .................................0 .................................0 ...............................22

12. Earthquake..................................................................................... .................50,051,403 ...................1,802,372 ............................(341) .................................0 .................51,853,433

13. Group accident and health............................................................. ........................24,337 .................................0 .................................0 .................................0 ........................24,337

14. Credit accident and health (group and individual).......................... .................................0 .................................0 .................................0 .................................0 .................................0

15. Other accident and health.............................................................. ......................489,463 ..........................2,850 .......................(14,000) .................................0 ......................478,313

16. Workers' compensation.................................................................. ............1,493,060,964 ......................516,166 ................(58,492,663) ................(43,384,780) ............1,391,699,688

17.1 Other liability - occurrence............................................................. ...............731,440,109 ......................701,193 ................(12,415,410) .................11,482,599 ...............731,208,491

17.2 Other liability - claims-made........................................................... ...............480,803,553 .................66,899,531 ......................348,400 .................................0 ...............548,051,484

17.3 Excess workers' compensation...................................................... ...................7,226,058 .................................0 .........................(8,000) .................................0 ...................7,218,058

18.1 Products liability - occurrence........................................................ .................69,722,037 ...................3,486,502 ..................(2,453,000) ...................1,401,716 .................72,157,255

18.2 Products liability - claims-made..................................................... .................10,500,426 .....................(964,483) ......................191,000 .................................0 ...................9,726,943

19.1, 19.2 Private passenger auto liability...................................................... ...............772,541,690 .................................0 .................................0 .................................0 ...............772,541,690

19.3, 19.4 Commercial auto liability................................................................ ...............670,251,783 ...................4,205,443 .........................(7,432) .....................(332,213) ...............674,117,581

21. Auto physical damage.................................................................... ...............657,512,939 ......................354,303 ................................(0) .................................0 ...............657,867,242

22. Aircraft (all perils)........................................................................... ..........................1,530 .................................0 .................................0 .................................0 ..........................1,530

23. Fidelity............................................................................................ .................77,380,101 .................37,023,200 ............................(387) .................................0 ...............114,402,914

24. Surety............................................................................................. ...............114,639,546 ...............397,744,435 ................(53,153,376) .................................0 ...............459,230,605

26. Burglary and theft........................................................................... .................16,579,379 ...................2,806,008 ..............................(55) .................................0 .................19,385,332

27. Boiler and machinery..................................................................... .................79,835,235 ...................4,708,568 ................................(2) .................................0 .................84,543,800

28. Credit............................................................................................. ..........................9,118 .................................0 .................................0 .................................0 ..........................9,118

29. International................................................................................... ........................79,096 .................................0 .................................0 .................................0 ........................79,096

30. Warranty........................................................................................ .................................0 .................................0 .................................0 .................................0 .................................0

31. Reinsurance - nonproportional assumed property......................... .................11,667,579 ...................4,158,679 .................................0 .................................0 .................15,826,259

32. Reinsurance - nonproportional assumed liability........................... ...................8,134,318 ......................622,180 .................................0 .................................0 ...................8,756,498

33. Reinsurance - nonproportional assumed financial lines................ ...................1,116,051 .................................0 .................................0 .................................0 ...................1,116,051

34. Aggregate write-ins for other lines of business.............................. ...................1,594,816 .................................0 .................................0 .................................0 ...................1,594,816

35. TOTALS......................................................................................... ............9,289,405,119 ...............590,857,293 ..............(147,187,797) ................(30,832,678) ............9,702,241,937

36. Accrued retrospective premiums based on experience............................................................................................................................................................................ .................30,832,678

37. Earned but unbilled premiums.................................................................................................................................................................................................................. ...............147,187,797

38. Balance (sum of Lines 35 through 37)...................................................................................................................................................................................................... ............9,880,262,412

DETAILS OF WRITE-INS

3401. Combined write-ins for U&I Part 1A Line 34.................................. ...................1,594,816 .................................0 .................................0 .................................0 ...................1,594,816

3402. ....................................................................................................... .................................... .................................... .................................... .................................... ....................................

3403. ....................................................................................................... .................................... .................................... .................................... .................................... ....................................

3498. Summary of remaining write-ins for Line 34 from overflow page... .................................... .................................... .................................... .................................... ....................................

3499. Totals (Lines 3401 thru 3403 plus 3498) (Line 34 above)............. ...................1,594,816 .................................0 .................................0 .................................0 ...................1,594,816

(a) State here basis of computation used in each case: Daily pro rata; pools and associations as submitted.

Page 8: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

8

UNDERWRITING AND INVESTMENT EXHIBIT PART 1B - PREMIUMS WRITTEN

Gross Premiums (Less Return Premiums), Including Policy and Membership Fees Written and Renewed During Year 1 Reinsurance Assumed Reinsurance Ceded 6

2 3 4 5 Net PremiumsDirect Written

Business (Cols. 1 + 2 + 3Line of Business (a) From Affiliates From Non-Affiliates To Affiliates To Non-Affiliates - 4 - 5)

1. Fire............................................................................................... .........686,339,639 .............4,839,911 .............6,301,837 ................156,388 .........156,352,139 .........540,972,861

2. Allied lines.................................................................................... .........804,124,117 ...........(4,876,056) ...........15,045,653 ...........(5,457,435) .........289,515,156 .........530,235,994

3. Farmowners multiple peril............................................................ .........167,175,581 ...........................0 ...........................0 ...........................0 .............2,474,465 .........164,701,116

4. Homeowners multiple peril........................................................... ......3,368,962,021 ...........................0 .............3,098,519 ...........................0 ...........89,352,873 ......3,282,707,667

5. Commercial multiple peril............................................................. ......3,172,133,887 ...........................0 .............5,112,702 ................642,714 .........202,456,274 ......2,974,147,600

6. Mortgage guaranty....................................................................... ...........................0 ...........................0 ...........................0 ...........................0 ............................. ...........................0

8. Ocean marine.............................................................................. .........288,960,146 ..................13,275 .............1,420,774 ...........................0 ...........20,412,711 .........269,981,484

9. Inland marine............................................................................... .........688,823,102 ...........................0 ..................46,614 ....................5,471 ...........63,706,765 .........625,157,481

10. Financial guaranty........................................................................ ...........................0 ...........................0 ...........................0 ...........................0 ............................. ...........................0

11.1 Medical professional liability - occurrence................................... ...........................0 ...........................0 ...........................0 ....................4,945 ..................(4,800) .....................(145)

11.2 Medical professional liability - claims-made................................. ...........................0 ...........................0 .......................(32) ...........................0 ..................11,100 ................(11,132)

12. Earthquake................................................................................... .........143,021,940 ...........................0 ..................47,902 ....................5,949 ...........27,142,200 .........115,921,693

13. Group accident and health........................................................... ...........................0 ...........................0 ..................(2,014) ...........................0 ...........................0 ..................(2,014)

14. Credit accident and health (group and individual)........................ ...........................0 ...........................0 ...........................0 ...........................0 ............................. ...........................0

15. Other accident and health............................................................ .............1,195,252 ...........................0 ..................10,883 ...........................0 ...........................0 .............1,206,135

16. Workers' compensation................................................................ ......4,138,106,677 ...........................0 ...........89,091,739 ................126,729 .........544,515,622 ......3,682,556,064

17.1 Other liability - occurrence........................................................... ......1,843,669,059 .............2,391,787 .............2,586,843 ................482,870 .........145,735,971 ......1,702,428,848

17.2 Other liability - claims-made......................................................... ......1,032,201,493 .............1,591,994 .............1,047,228 ................268,844 ...........31,300,381 ......1,003,271,491

17.3 Excess workers' compensation.................................................... ...........25,999,517 ...........................0 ...........................0 ...........................0 .............3,865,254 ...........22,134,263

18.1 Products liability - occurrence...................................................... .........159,931,310 ................291,855 .............1,278,951 ..................87,114 .............2,954,882 .........158,460,120

18.2 Products liability - claims-made................................................... ...........25,640,196 ...........................0 ...........................0 ...........................0 .............2,039,850 ...........23,600,346

19.1, 19.2 Private passenger auto liability.................................................... ......2,006,709,836 ................(46,275) .........121,292,215 ..............(176,340) ...........19,169,699 ......2,108,962,416

19.3, 19.4 Commercial auto liability.............................................................. ......1,531,163,029 ....................4,516 ...........39,073,494 ................113,465 ...........71,956,438 ......1,498,171,136

21. Auto physical damage.................................................................. ......1,619,467,340 ...........................0 ...........99,785,837 ....................2,173 ...........14,900,163 ......1,704,350,841

22. Aircraft (all perils)......................................................................... ...........................0 ...........................0 ..................91,023 ...........................0 ...........................0 ..................91,023

23. Fidelity.......................................................................................... .........195,485,445 ................193,691 ....................4,434 .......................574 .............4,379,736 .........191,303,260

24. Surety........................................................................................... .........778,689,160 ...........10,190,557 .............5,840,365 .............3,915,566 ...........65,014,222 .........725,790,294

26. Burglary and theft......................................................................... ...........45,051,112 ..................69,640 ..................43,914 .............5,170,335 ................107,860 ...........39,886,470

27. Boiler and machinery................................................................... .........117,579,471 ..................21,211 ...........77,123,693 ....................1,993 .............4,664,575 .........190,057,806

28. Credit........................................................................................... ...........................0 ...........................0 ..................(3,672) ...........................0 ...........................0 ..................(3,672)

29. International................................................................................. ...........................0 .............8,343,577 ................206,084 .............5,459,906 ...........................0 .............3,089,755

30. Warranty...................................................................................... ...........................0 ...........................0 ...........................0 ...........................0 ............................. ...........................0

31. Reinsurance - nonproportional assumed property....................... ............XXX............ ...........................0 ...........41,593,865 ...........................0 .............1,237,243 ...........40,356,622

32. Reinsurance - nonproportional assumed liability......................... ............XXX............ ...........................0 ...........18,861,010 ..................86,159 .............3,016,748 ...........15,758,103

33. Reinsurance - nonproportional assumed financial lines.............. ............XXX............ ...........................0 .............1,686,921 ...........................0 ...........................0 .............1,686,921

34. Aggregate write-ins for other lines of business............................ .............2,511,828 ...........................0 ...........................0 ...........................0 ...........................0 .............2,511,828

35. TOTALS....................................................................................... ....22,842,941,159 ...........23,029,684 .........530,686,781 ...........10,897,421 ......1,766,277,527 ....21,619,482,677

DETAILS OF WRITE-INS

3401. Combined write-ins for U&I Part 1B Line 34................................ .............2,511,828 ...........................0 ...........................0 ...........................0 ...........................0 .............2,511,828

3402. ..................................................................................................... .............................. .............................. .............................. .............................. .............................. ..............................

3403. ..................................................................................................... .............................. .............................. .............................. .............................. .............................. ..............................

3498. Summ. of remaining write-ins for Line 34 from overflow page..... .............................. .............................. .............................. .............................. .............................. ..............................

3499. Totals (Lines 3401 thru 3403 plus 3498) (Line 34 above)........... .............2,511,828 ...........................0 ...........................0 ...........................0 ...........................0 .............2,511,828

(a) Does the company's direct premiums written include premiums recorded on an installment basis? Yes [ ] No [ X ]

If yes: 1. The amount of such installment premiums $..........0.

2. Amount at which such installment premiums would have been reported had they been recorded on an annualized basis $..........0.

Page 9: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

9

UNDERWRITING AND INVESTMENT EXHIBIT PART 2 - LOSSES PAID AND INCURRED

Losses Paid Less Salvage 5 6 7 81 2 3 4 Percentage of

Net Losses Losses Losses IncurredUnpaid Net Losses Incurred (Col. 7, Part 2)

Direct Reinsurance Reinsurance Net Payments Current Year Unpaid Current Year to Premiums EarnedLine of Business Business Assumed Recovered (Cols. 1 + 2 - 3) (Part 2A, Col. 8) Prior Year (Cols. 4 + 5 - 6) (Col. 4, Part 1)

1. Fire....................................................................................................... .........................275,475,356 .............................8,664,584 ...........................19,018,305 .........................265,121,635 .........................226,345,806 .........................235,097,422 .........................256,370,019 .......................................49.02. Allied lines........................................................................................... ......................1,413,376,188 .............................9,808,883 ......................1,162,990,658 .........................260,194,412 .........................242,209,704 .........................370,964,111 .........................131,440,005 .......................................25.43. Farmowners multiple peril................................................................... ...........................67,974,929 ............................................0 ..................................37,965 ...........................67,936,965 ...........................57,097,749 ...........................49,524,343 ...........................75,510,371 .......................................45.74. Homeowners multiple peril.................................................................. ......................1,468,773,143 ................................967,574 ............................(1,786,617) ......................1,471,527,334 .........................748,486,451 .........................951,633,326 ......................1,268,380,459 .......................................38.35. Commercial multiple peril.................................................................... ......................1,558,874,164 .............................7,853,361 .........................113,520,464 ......................1,453,207,062 ......................2,458,881,201 ......................2,531,661,501 ......................1,380,426,761 .......................................46.36. Mortgage guaranty.............................................................................. ............................................0 ............................................0 ............................................0 ............................................0 ............................................0 ............................................0 ............................................0 .........................................0.08. Ocean marine...................................................................................... .........................228,199,860 .............................1,837,931 ...........................40,676,103 .........................189,361,687 .........................201,712,068 .........................271,861,228 .........................119,212,527 .......................................43.69. Inland marine....................................................................................... .........................316,373,204 .....................................8,212 .............................4,513,720 .........................311,867,696 .........................242,309,504 .........................252,359,638 .........................301,817,563 .......................................48.710. Financial guaranty............................................................................... ............................................0 ............................................0 ............................................0 ............................................0 ..........................................34 ........................................149 ......................................(115) .......................................73.9

11.1 Medical professional liability - occurrence.......................................... .............................6,551,697 ............................................0 ..................................16,255 .............................6,535,442 ...........................15,093,243 ...........................25,287,844 ............................(3,659,159) .............................261,536.611.2 Medical professional liability - claims-made........................................ .............................6,748,495 ................................939,188 ................................904,057 .............................6,783,626 ...........................64,130,343 ...........................69,301,392 .............................1,612,577 ..............................(14,456.7)12. Earthquake.......................................................................................... .............................3,536,380 ............................................0 .............................1,930,664 .............................1,605,716 ................................501,504 ...........................37,045,006 ..........................(34,937,786) .....................................(30.9)13. Group accident and health.................................................................. ............................................0 .................................(95,255) ............................................0 .................................(95,255) .............................1,473,747 .............................1,508,492 ...............................(130,000) ................................(3,994.9)14. Credit accident and health (group and individual).............................. ............................................0 ............................................0 ............................................0 ............................................0 ............................................0 ............................................0 ............................................0 .........................................0.015. Other accident and health................................................................... ..................................56,823 ................................153,530 .....................................2,908 ................................207,445 .............................9,084,201 .............................9,135,938 ................................155,708 .......................................12.816. Workers' compensation....................................................................... ......................2,089,512,516 ...........................78,533,822 .........................390,395,814 ......................1,777,650,524 ....................12,530,373,013 ....................12,142,851,764 ......................2,165,171,773 .......................................60.1

17.1 Other liability - occurrence................................................................... .........................718,540,558 .............................9,320,881 .........................101,947,777 .........................625,913,662 ......................4,554,270,108 ......................4,706,942,619 .........................473,241,151 .......................................28.217.2 Other liability - claims-made................................................................ .........................594,606,386 ..........................(26,566,200) ...........................31,564,687 .........................536,475,500 ......................1,931,496,400 ......................1,969,147,154 .........................498,824,746 .......................................51.917.3 Excess workers' compensation........................................................... ...........................22,671,844 ................................615,392 .............................8,756,322 ...........................14,530,913 .........................502,007,074 .........................508,652,078 .............................7,885,909 .......................................38.618.1 Products liability - occurrence............................................................. .........................142,363,282 .............................1,318,051 ...........................20,973,336 .........................122,707,997 ......................1,456,248,814 ......................1,503,800,640 ...........................75,156,171 .......................................47.318.2 Products liability - claims-made........................................................... .............................6,022,091 ............................................0 .............................1,502,094 .............................4,519,997 ...........................28,955,714 ...........................32,379,314 .............................1,096,397 .........................................4.5

19.1, 19.2 Private passenger auto liability........................................................... ......................1,363,688,900 ...........................94,591,699 ...........................18,418,741 ......................1,439,861,858 ......................1,754,484,643 ......................1,845,538,986 ......................1,348,807,515 .......................................62.519.3, 19.4 Commercial auto liability..................................................................... .........................963,140,848 ...........................28,491,876 ...........................55,294,334 .........................936,338,390 ......................2,038,979,574 ......................2,055,204,685 .........................920,113,278 .......................................61.1

21. Auto physical damage......................................................................... .........................920,697,191 ...........................60,929,201 ...........................11,248,993 .........................970,377,400 .........................117,293,030 ...........................95,176,110 .........................992,494,320 .......................................57.922. Aircraft (all perils)................................................................................. ..................................60,778 ................................557,550 ..................................69,689 ................................548,638 ...........................13,554,482 ...........................14,059,958 ..................................43,163 .......................................48.223. Fidelity................................................................................................. ...........................82,516,697 .....................................8,908 ................................227,964 ...........................82,297,641 .........................154,468,975 .........................143,092,814 ...........................93,673,802 .......................................50.224. Surety.................................................................................................. ...........................22,531,581 ...............................(565,891) ............................(3,237,342) ...........................25,203,031 .........................590,116,252 .........................685,613,313 ..........................(70,294,030) .......................................(9.7)26. Burglary and theft................................................................................ .............................2,963,023 .....................................8,607 ................................334,579 .............................2,637,051 ...........................24,799,206 ...........................24,017,656 .............................3,418,601 .........................................8.827. Boiler and machinery.......................................................................... ...........................31,891,045 ...........................17,380,501 ..................................11,733 ...........................49,259,813 ...........................45,504,521 ...........................38,624,626 ...........................56,139,709 .......................................30.128. Credit................................................................................................... ............................................0 ................................298,742 ............................................0 ................................298,742 .............................8,459,882 .............................8,858,623 ...............................(100,000) ..............................(12,345.4)29. International......................................................................................... ............................................0 .............................5,370,580 .............................3,429,710 .............................1,940,869 ...........................13,593,171 ...........................17,608,907 ............................(2,074,867) .....................................(50.2)30. Warranty.............................................................................................. ............................................0 ............................................0 ............................................0 ............................................0 ............................................0 ............................................0 ............................................0 .........................................0.031. Reinsurance - nonproportional assumed property............................. ....................XXX.................... ...........................17,898,883 .............................8,636,903 .............................9,261,980 ...........................53,093,871 ...........................52,481,873 .............................9,873,979 .......................................25.032. Reinsurance - nonproportional assumed liability................................ ....................XXX.................... ...........................92,336,889 ...........................22,028,967 ...........................70,307,921 .........................789,098,818 .........................818,787,841 ...........................40,618,898 .....................................245.933. Reinsurance - nonproportional assumed financial lines..................... ....................XXX.................... .............................2,723,560 ............................................0 .............................2,723,560 ...........................18,031,217 ...........................16,700,990 .............................4,053,787 .....................................222.734. Aggregate write-ins for other lines of business................................... .............................1,400,296 ............................................0 ............................................0 .............................1,400,296 .............................3,471,576 .............................3,501,692 .............................1,370,180 .......................................45.235. TOTALS............................................................................................... ....................12,308,547,272 .........................413,391,059 ......................2,013,428,780 ....................10,708,509,550 ....................30,895,625,896 ....................31,488,422,034 ....................10,115,713,412 .......................................47.0

DETAILS OF WRITE-INS3401. Combined write-ins for U&I Part 2 Line 34......................................... .............................1,400,296 ............................................0 ............................................0 .............................1,400,296 .............................3,471,576 .............................3,501,692 .............................1,370,180 .......................................45.23402. ............................................................................................................. ............................................... ............................................... ............................................... ............................................... ............................................... ............................................... ............................................... ...............................................3403. ............................................................................................................. ............................................... ............................................... ............................................... ............................................... ............................................... ............................................... ............................................... ...............................................3498. Summary of remaining write-ins for Line 34 from overflow page....... ............................................... ............................................... ............................................... ............................................... ............................................... ............................................... ............................................... ...............................................3499. Totals (Lines 3401 thru 3403 plus 3498) (Line 34 above)................. .............................1,400,296 ............................................0 ............................................0 .............................1,400,296 .............................3,471,576 .............................3,501,692 .............................1,370,180 .......................................45.2

Page 10: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

10

UNDERWRITING AND INVESTMENT EXHIBIT PART 2A - UNPAID LOSSES AND LOSS ADJUSTMENT EXPENSES

Reported Losses Incurred But Not Reported 8 91 2 3 4 5 6 7

Deduct Reinsurance Net Losses ExcludingRecoverable from Incurred but Net Losses Unpaid Loss

Authorized and not Reported Reinsurance Reinsurance Unpaid AdjustmentLine of Business Direct Reinsurance Assumed Unauthorized Companies (Cols. 1 + 2 - 3) Direct Assumed Ceded (Cols. 4 + 5 + 6 - 7) Expenses

1. Fire.................................................................................................... ....................217,078,820 ........................9,509,962 ......................47,999,035 ....................178,589,746 ......................52,778,744 ......................25,331,905 ......................30,354,589 ....................226,345,806 ......................20,824,1652. Allied lines......................................................................................... ....................226,794,020 .......................(5,284,136) ......................74,286,895 ....................147,222,989 ....................124,828,937 ...........................312,681 ......................30,154,903 ....................242,209,704 ......................35,428,4053. Farmowners multiple peril................................................................. ......................23,827,669 ....................................13 ...........................408,257 ......................23,419,425 ......................33,597,233 .............................20,475 ............................(60,615) ......................57,097,749 ........................7,507,3194. Homeowners multiple peril................................................................ ....................378,932,281 ...........................372,020 ..................................111 ....................379,304,190 ....................372,779,024 ........................1,055,964 ........................4,652,727 ....................748,486,451 ....................126,086,4975. Commercial multiple peril.................................................................. .................1,374,313,208 ......................11,181,124 ......................89,442,999 .................1,296,051,333 .................1,196,432,958 ......................14,548,998 ......................48,152,087 .................2,458,881,201 ....................902,903,8456. Mortgage guaranty............................................................................ ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................08. Ocean marine.................................................................................... ....................105,698,289 ........................2,297,458 ......................15,575,168 ......................92,420,579 ....................129,297,941 ........................3,341,548 ......................23,348,001 ....................201,712,068 ......................41,688,0919. Inland marine..................................................................................... ....................199,230,007 ...........................222,301 ......................13,434,247 ....................186,018,062 ......................82,239,244 ........................6,137,453 ......................32,085,254 ....................242,309,504 ......................24,854,380

10. Financial guaranty............................................................................. ......................................0 ......................................0 ......................................0 ......................................0 ....................................33 ......................................0 .....................................(1) ....................................34 ..................................26211.1 Medical professional liability - occurrence......................................... ........................9,408,566 ......................................4 ...........................132,582 ........................9,275,988 ........................7,751,417 .....................................(4) ........................1,934,158 ......................15,093,243 ........................5,290,21111.2 Medical professional liability - claims-made...................................... ......................25,650,804 ......................15,906,543 ........................2,761,392 ......................38,795,955 ......................14,909,635 ......................11,553,145 ........................1,128,392 ......................64,130,343 ........................9,507,43112. Earthquake........................................................................................ ...........................199,487 ......................................0 .............................37,673 ...........................161,815 ...........................961,683 ..............................(3,992) ...........................618,002 ...........................501,504 ...........................714,83013. Group accident and health................................................................ ......................29,749,814 ...........................694,159 ......................29,749,814 ...........................694,159 ...........................114,336 ...........................795,108 ...........................129,856 (a)...................1,473,747 ...........................134,74914. Credit accident and health (group and individual)............................. ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................015. Other accident and health................................................................. ........................1,045,487 ........................1,606,009 ...........................304,869 ........................2,346,627 ........................2,926,196 ........................4,643,103 ...........................831,724 (a)...................9,084,201 ........................2,770,26916. Workers' compensation..................................................................... .................7,852,751,671 ....................480,238,994 .................1,795,325,562 .................6,537,665,102 .................6,825,722,574 ....................422,214,139 .................1,255,228,802 ...............12,530,373,013 .................1,737,867,876

17.1 Other liability - occurrence................................................................. .................1,148,775,330 ......................65,465,785 ....................201,614,173 .................1,012,626,942 .................3,860,762,803 ......................96,089,026 ....................415,208,663 .................4,554,270,108 .................1,495,783,59717.2 Other liability - claims-made.............................................................. ....................763,016,485 ......................12,592,780 ....................101,707,984 ....................673,901,281 .................1,284,643,551 ......................78,398,987 ....................105,447,419 .................1,931,496,400 ....................803,762,74517.3 Excess workers' compensation......................................................... ....................327,895,228 ........................1,980,831 ....................121,644,602 ....................208,231,456 ....................353,602,762 ...........................124,832 ......................59,951,976 ....................502,007,074 ......................24,741,98118.1 Products liability - occurrence............................................................ ....................323,973,079 ........................5,574,385 ......................33,157,494 ....................296,389,970 .................1,243,644,750 ........................7,852,105 ......................91,638,011 .................1,456,248,814 ....................721,296,55818.2 Products liability - claims-made......................................................... ........................9,658,881 ......................................0 ........................2,586,961 ........................7,071,920 ......................23,780,138 .............................11,731 ........................1,908,075 ......................28,955,714 ......................21,033,822

19.1, 19.2 Private passenger auto liability.......................................................... .................1,500,705,003 ......................41,177,504 ....................451,612,917 .................1,090,269,590 ....................663,623,126 ......................15,898,241 ......................15,306,313 .................1,754,484,643 ....................310,040,16319.3, 19.4 Commercial auto liability.................................................................... .................1,228,023,761 ......................33,405,901 ....................177,040,511 .................1,084,389,152 ....................992,552,114 ......................32,310,722 ......................70,272,414 .................2,038,979,574 ....................317,823,843

21. Auto physical damage....................................................................... ......................63,165,192 ........................3,149,231 .......................(7,011,102) ......................73,325,525 ......................50,827,772 ........................2,116,132 ........................8,976,399 ....................117,293,030 ......................67,342,39522. Aircraft (all perils)............................................................................... ......................25,750,673 ........................5,207,037 ......................26,298,506 ........................4,659,203 ......................28,915,213 ......................15,186,113 ......................35,206,047 ......................13,554,482 ........................4,637,97923. Fidelity............................................................................................... ......................46,954,237 ........................3,332,901 ........................7,526,245 ......................42,760,893 ....................115,899,789 ........................5,507,012 ........................9,698,719 ....................154,468,975 ......................65,606,76724. Surety................................................................................................ ....................239,580,254 ......................14,589,028 ......................71,566,483 ....................182,602,798 ....................367,779,240 ......................25,057,659 .....................(14,676,555) ....................590,116,252 ....................321,961,50726. Burglary and theft.............................................................................. .............................50,724 ...............................2,221 ......................................4 .............................52,941 ......................25,398,382 .............................62,714 ...........................714,830 ......................24,799,206 ......................11,620,63327. Boiler and machinery......................................................................... ......................19,410,689 ........................6,943,374 ........................2,446,478 ......................23,907,585 ......................14,603,928 ........................7,680,291 ...........................687,282 ......................45,504,521 ........................6,118,21528. Credit................................................................................................. ......................................0 ........................3,455,888 ......................................0 ........................3,455,888 ..................................135 ........................5,003,994 ..................................135 ........................8,459,882 ..........................(509,936)29. International....................................................................................... ......................................0 ......................23,101,120 ......................14,752,625 ........................8,348,495 .............................35,826 ......................14,342,793 ........................9,133,943 ......................13,593,171 ...........................396,92330. Warranty............................................................................................ ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................0 ......................................031. Reinsurance - nonproportional assumed property............................ ................XXX.................. ......................69,101,129 ......................29,760,517 ......................39,340,612 ................XXX.................. ......................31,151,788 ......................17,398,529 ......................53,093,871 ........................3,758,35232. Reinsurance - nonproportional assumed liability............................... ................XXX.................. ....................548,473,815 ......................83,808,302 ....................464,665,514 ................XXX.................. ....................341,843,078 ......................17,409,774 ....................789,098,818 ......................29,783,18433. Reinsurance - nonproportional assumed financial lines.................... ................XXX.................. ......................11,468,773 ...........................281,210 ......................11,187,563 ................XXX.................. ........................7,184,816 ...........................341,162 ......................18,031,217 ...........................543,80034. Aggregate write-ins for other lines of business.................................. ...........................432,313 ......................................0 ......................................0 ...........................432,313 ........................3,039,264 ......................................0 ......................................0 ........................3,471,576 ........................1,200,92335. TOTALS............................................................................................. ...............16,142,071,971 .................1,365,766,152 .................3,388,252,515 ...............14,119,585,608 ...............17,873,448,750 .................1,175,772,555 .................2,273,181,017 ...............30,895,625,897 .................7,122,521,782

DETAILS OF WRITE-INS3401. Combined write-ins for U&I Part 2A Line 34...................................... ...........................432,313 ......................................0 ......................................0 ...........................432,313 ........................3,039,264 ......................................0 ......................................0 ........................3,471,576 ........................1,200,9233402. ........................................................................................................... ......................................... ......................................... ......................................... ......................................... ......................................... ......................................... ......................................... ......................................... .........................................3403. ........................................................................................................... ......................................... ......................................... ......................................... ......................................... ......................................... ......................................... ......................................... ......................................... .........................................3498. Summary of remaining write-ins for Line 34 from overflow page...... ......................................... ......................................... ......................................... ......................................... ......................................... ......................................... ......................................... ......................................... .........................................3499. Totals (Lines 3401 thru 3403 plus 3498) (Line 34 above)................. ...........................432,313 ......................................0 ......................................0 ...........................432,313 ........................3,039,264 ......................................0 ......................................0 ........................3,471,576 ........................1,200,923

(a) Including $..........0 for present value of life indemnity claims.

Page 11: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

11

UNDERWRITING AND INVESTMENT EXHIBIT PART 3 - EXPENSES

1 2 3 4Other

Loss Adjustment Underwriting InvestmentExpenses Expenses Expenses Total

1. Claim adjustment services:

1.1 Direct................................................................................................................................ .............1,259,967,480 ..................................0 ..................................0 .............1,259,967,480

1.2 Reinsurance assumed..................................................................................................... ..................22,884,112 ..................................0 ..................................0 ..................22,884,112

1.3 Reinsurance ceded.......................................................................................................... ..................72,686,172 ..................................0 ..................................0 ..................72,686,172

1.4 Net claim adjustment services (1.1 + 1.2 - 1.3)............................................................... .............1,210,165,420 ..................................0 ..................................0 .............1,210,165,420

2. Commission and brokerage:

2.1 Direct excluding contingent.............................................................................................. ..................................0 .............3,120,601,007 ..................................0 .............3,120,601,007

2.2 Reinsurance assumed excluding contingent................................................................... ..................................0 ..................81,653,006 ..................................0 ..................81,653,006

2.3 Reinsurance ceded excluding contingent........................................................................ ..................................0 ................204,299,203 ..................................0 ................204,299,203

2.4 Contingent - direct............................................................................................................ ..................................0 ................175,583,671 ..................................0 ................175,583,671

2.5 Contingent - reinsurance assumed.................................................................................. ..................................0 ....................5,310,119 ..................................0 ....................5,310,119

2.6 Contingent - reinsurance ceded....................................................................................... ..................................0 ....................2,189,946 ..................................0 ....................2,189,946

2.7 Policy and membership fees............................................................................................ ..................................0 ..................................0 ..................................0 ..................................0

2.8 Net commission and brokerage (2.1 + 2.2 - 2.3 + 2.4 + 2.5 - 2.6 + 2.7).......................... ..................................0 .............3,176,658,653 ..................................0 .............3,176,658,653

3. Allowances to managers and agents....................................................................................... ..................................0 ....................3,253,069 ..................................0 ....................3,253,069

4. Advertising............................................................................................................................... .........................17,360 ................120,400,195 .........................30,735 ................120,448,290

5. Boards, bureaus and associations........................................................................................... ....................5,149,622 ..................83,921,207 .........................29,853 ..................89,100,682

6. Surveys and underwriting reports............................................................................................ ...........................3,300 ..................64,879,599 ..................................0 ..................64,882,899

7. Audit of assureds' records........................................................................................................ ..................................0 ..................................0 ..................................0 ..................................0

8. Salary and related items:

8.1 Salaries............................................................................................................................ ................689,261,553 .............1,588,140,198 ..................28,058,272 .............2,305,460,023

8.2 Payroll taxes.................................................................................................................... ..................51,159,475 ................104,831,709 ....................1,001,492 ................156,992,676

9. Employee relations and welfare............................................................................................... ................137,502,371 ................245,617,482 ....................2,452,587 ................385,572,440

10. Insurance................................................................................................................................. ................104,129,785 ..................19,498,734 .........................16,894 ................123,645,413

11. Directors' fees.......................................................................................................................... ..................................0 .........................27,152 ..................................0 .........................27,152

12. Travel and travel items............................................................................................................. ..................34,232,948 ..................83,148,605 ....................1,119,456 ................118,501,009

13. Rent and rent items.................................................................................................................. ..................38,586,461 ..................96,462,259 .......................859,298 ................135,908,018

14. Equipment................................................................................................................................ ....................9,091,459 ..................36,479,387 ....................3,606,244 ..................49,177,090

15. Cost or depreciation of EDP equipment and software............................................................. ..................19,983,602 ................321,068,924 .......................202,687 ................341,255,213

16. Printing and stationery............................................................................................................. ....................3,213,688 ..................11,139,265 .......................107,638 ..................14,460,591

17. Postage, telephone and telegraph, exchange and express..................................................... ..................12,650,508 ..................84,385,611 .........................98,484 ..................97,134,603

18. Legal and auditing.................................................................................................................... ..................42,987,570 ..................29,722,159 ....................7,895,720 ..................80,605,449

19. Totals (Lines 3 to 18)............................................................................................................... .............1,147,969,702 .............2,892,975,555 ..................45,479,360 .............4,086,424,617

20. Taxes, licenses and fees:

20.1 State and local insurance taxes deducting guaranty association credits

of $.....3,197,609............................................................................................................. ..................................0 ................511,776,639 ..................................0 ................511,776,639

20.2. Insurance department licenses and fees...................................................................... ..................................0 ..................50,710,395 ..................................0 ..................50,710,395

20.3. Gross guaranty association assessments.................................................................... ..................................0 ...................(2,157,879) ..................................0 ...................(2,157,879)

20.4. All other (excluding federal and foreign income and real estate).................................. ..................................0 ..................17,239,452 ..................................0 ..................17,239,452

20.5. Total taxes, licenses and fees (20.1 + 20.2 + 20.3 + 20.4)........................................... ..................................0 ................577,568,607 ..................................0 ................577,568,607

21. Real estate expenses.............................................................................................................. ..................................0 ..................................0 ..................83,916,036 ..................83,916,036

22. Real estate taxes..................................................................................................................... ..................................0 ..................................0 ....................8,939,554 ....................8,939,554

23. Reimbursements by uninsured plans....................................................................................... ..................................0 ..................................0 ..................................0 ..................................0

24. Aggregate write-ins for miscellaneous expenses..................................................................... ..................32,711,961 ..................93,881,805 ....................3,394,496 ................129,988,262

25. Total expenses incurred........................................................................................................... .............2,390,847,083 .............6,741,084,620 ................141,729,446 (a)........9,273,661,149

26. Less unpaid expenses - current year....................................................................................... .............7,122,521,782 .............1,686,628,378 ..................13,725,409 .............8,822,875,568

27. Add unpaid expenses - prior year............................................................................................ .............7,254,571,411 .............1,630,936,286 ..................10,551,899 .............8,896,059,596

28. Amounts receivable relating to uninsured plans, prior year..................................................... ..................................0 ..................................0 ..................................0 ..................................0

29. Amounts receivable relating to uninsured plans, current year................................................. ..................................0 ..................................0 ..................................0 ..................................0

30. TOTAL EXPENSES PAID (Lines 25 - 26 + 27 - 28 + 29)................................................... .............2,522,896,712 .............6,685,392,528 ................138,555,936 .............9,346,845,176

DETAILS OF WRITE-INS2401. Combined write-ins for U&I Part 3 Line 24............................................................................... ..................32,711,961 ..................93,881,805 ....................3,394,496 ................129,988,262

2402. ................................................................................................................................................. ..................................... ..................................... ..................................... .....................................

2403. ................................................................................................................................................. ..................................... ..................................... ..................................... .....................................

2498. Summary of remaining write-ins for Line 24 from overflow page............................................. ..................................... ..................................... ..................................... .....................................

2499. Totals (Lines 2401 thru 2403 plus 2498) (Line 24 above)....................................................... ..................32,711,961 ..................93,881,805 ....................3,394,496 ................129,988,262

(a) Includes management fees of $..........0 to affiliates and $..........0 to non-affiliates.

Page 12: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

12

EXHIBIT OF NET INVESTMENT INCOME1 2

Collected EarnedDuring Year During Year

1. U.S. government bonds................................................................................................................................................................... (a)..........................73,131,596 ..............................71,923,5971.1 Bonds exempt from U.S. tax............................................................................................................................................................ (a).....................1,348,240,011 .........................1,327,049,0761.2 Other bonds (unaffiliated)................................................................................................................................................................ (a)........................832,692,102 ............................827,249,8331.3 Bonds of affiliates............................................................................................................................................................................ (a)..........................................0 ..............................................02.1 Preferred stocks (unaffiliated).......................................................................................................................................................... (b)............................8,227,381 ................................8,173,989

2.11 Preferred stocks of affiliates............................................................................................................................................................ (b)..........................................0 ..............................................02.2 Common stocks (unaffiliated).......................................................................................................................................................... ..............................19,385,850 ..............................19,331,289

2.21 Common stocks of affiliates............................................................................................................................................................. ................................5,132,449 ................................5,132,4493. Mortgage loans................................................................................................................................................................................ (c)............................2,295,378 ................................2,289,6624. Real estate...................................................................................................................................................................................... (d)........................181,096,358 ............................181,096,3585. Contract loans................................................................................................................................................................................. ..............................................0 ..............................................06. Cash, cash equivalents and short-term investments....................................................................................................................... (e)............................4,406,932 ................................4,396,6957. Derivative instruments..................................................................................................................................................................... (f)...........................................0 ..............................................08. Other invested assets...................................................................................................................................................................... ............................325,297,218 ............................326,832,5329. Aggregate write-ins for investment income..................................................................................................................................... ................................4,519,358 ................................4,519,358

10. Total gross investment income........................................................................................................................................................ .........................2,804,424,633 .........................2,777,994,83711. Investment expenses........................................................................................................................................................................................................................... (g)........................141,729,44312. Investment taxes, licenses and fees, excluding federal income taxes................................................................................................................................................ (g)..........................................013. Interest expense.................................................................................................................................................................................................................................. (h)...............................288,50914. Depreciation on real estate and other invested assets........................................................................................................................................................................ (i)...........................40,216,34015. Aggregate write-ins for deductions from investment income............................................................................................................................................................... ................................3,453,04616. Total deductions (Lines 11 through 15)............................................................................................................................................................................................... ............................185,687,33717. Net investment income (Line 10 minus Line 16)................................................................................................................................................................................. .........................2,592,307,500

DETAILS OF WRITE-INS0901. Combined write-ins for Investment Income Line 9.......................................................................................................................... ................................4,519,358 ................................4,519,3580902. ......................................................................................................................................................................................................... ................................................. .................................................0903. ......................................................................................................................................................................................................... ................................................. .................................................0998. Summary of remaining write-ins for Line 9 from overflow page...................................................................................................... ................................................. .................................................0999. Totals (Lines 0901 thru 0903 plus 0998) (Line 9 above)................................................................................................................. ................................4,519,358 ................................4,519,3581501. Combined write-ins for Investment Income Line 15............................................................................................................................................................................ ................................3,453,0461502. ............................................................................................................................................................................................................................................................. .................................................1503. ............................................................................................................................................................................................................................................................. .................................................1598. Summary of remaining write-ins for Line 15 from overflow page........................................................................................................................................................ .................................................1599. Totals (Lines 1501 thru 1503 plus 1598) (Line 15 above)................................................................................................................................................................... ................................3,453,046

(a) Includes $.....46,565,133 accrual of discount less $.....367,476,120 amortization of premium and less $.....24,997,008 paid for accrued interest on purchases. (b) Includes $..........0 accrual of discount less $..........0 amortization of premium and less $..........0 paid for accrued dividends on purchases. (c) Includes $..........0 accrual of discount less $.....31,612 amortization of premium and less $..........0 paid for accrued interest on purchases. (d) Includes $.....59,985,607 for company's occupancy of its own buildings; and excludes $..........0 interest on encumbrances. (e) Includes $.....576,583 accrual of discount less $.....41,893 amortization of premium and less $..........0 paid for accrued interest on purchases. (f) Includes $..........0 accrual of discount less $..........0 amortization of premium. (g) Includes $..........0 investment expenses and $..........0 investment taxes, licenses and fees, excluding federal income taxes, attributable to Segregated and Separate Accounts. (h) Includes $..........0 interest on surplus notes and $..........0 interest on capital notes. (i) Includes $.....40,216,340 depreciation on real estate and $..........0 depreciation on other invested assets.

EXHIBIT OF CAPITAL GAINS (LOSSES)1 2 3 4 5

Realized Change inGain (Loss) Other Total Realized Change in Unrealized

on Sales Realized Capital Gain (Loss) Unrealized Foreign Exchangeor Maturity Adjustments (Columns 1 + 2) Capital Gain (Loss) Capital Gain (Loss)

1. U.S. government bonds................................................................ ...................(2,250,896) ..................................0 ...................(2,250,896) ..................................0 ..................................01.1 Bonds exempt from U.S. tax......................................................... ..................14,876,117 ..................................0 ..................14,876,117 ...................(6,277,455) ..................................01.2 Other bonds (unaffiliated).............................................................. ..................42,438,956 ...................(8,908,058) ..................33,530,898 .................(11,263,406) .......................873,5291.3 Bonds of affiliates.......................................................................... ..................................0 ..................................0 ..................................0 ..................................0 ..................................02.1 Preferred stocks (unaffiliated)....................................................... ....................5,087,792 ...................(3,152,645) ....................1,935,147 ......................(814,472) ..................................02.11 Preferred stocks of affiliates.......................................................... ..................................0 ..................................0 ..................................0 ..................................0 ..................................02.2 Common stocks (unaffiliated)........................................................ ..................39,850,169 ...................(3,800,456) ..................36,049,713 ..................37,286,204 ..........................(8,606)2.21 Common stocks of affiliates.......................................................... ......................(293,157) ..................................0 ......................(293,157) ...............(527,475,016) ..................................03. Mortgage loans............................................................................. ..........................(1,204) ..................................0 ..........................(1,204) ..................................0 ..................................04. Real estate.................................................................................... ....................6,045,605 ..................................0 ....................6,045,605 ..................................0 ..................................05. Contract loans............................................................................... ..................................0 ..................................0 ..................................0 ..................................0 ..................................06. Cash, cash equivalents and short-term investments.................... .........................13,064 .........................23,094 .........................36,158 .......................254,089 ..................................07. Derivative instruments................................................................... ................116,581,905 ..................................0 ................116,581,905 ...................(1,218,273) ..................................08. Other invested assets................................................................... ...................(1,159,162) .................(18,969,230) .................(20,128,392) ...................(2,665,995) ....................4,568,6299. Aggregate write-ins for capital gains (losses)............................... ..................................0 ....................2,495,225 ....................2,495,225 ....................3,233,024 .................(31,932,912)

10. Total capital gains (losses)............................................................ ................221,189,190 .................(32,312,071) ................188,877,119 ...............(508,941,301) .................(26,499,360)DETAILS OF WRITE-INS

0901. Combined write-ins for Capital Gains (Losses) Line 9.................. ..................................0 ....................2,495,225 ....................2,495,225 ....................3,233,024 .................(31,932,912)0902. ...................................................................................................... ..................................... ..................................... ..................................... ..................................... .....................................0903. ...................................................................................................... ..................................... ..................................... ..................................... ..................................... .....................................0998. Summary of remaining write-ins for Line 9 from overflow page.... ..................................... ..................................... ..................................... ..................................... .....................................0999. Totals (Lines 0901 thru 0903 plus 0998) (Line 9 above)............... ..................................0 ....................2,495,225 ....................2,495,225 ....................3,233,024 .................(31,932,912)

Page 13: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

20

SCHEDULE F - PART 1Assumed Reinsurance as of December 31, Current Year (000 Omitted)

1 2 3 4 5 Reinsurance On 9 10 11 12 13 14 156 7 8 Amount of Assets Amount of

Funds Held by Pledged or AssetsNAIC Paid Losses and Known Case Contingent Assumed or Deposited Letters of Compensating Pledged or

ID Company Domiciliary Assumed Loss Adjustment Losses Cols. Commissions Premiums Unearned With Reinsured Credit Balances to Secure CollateralNumber Code Name of Reinsured Jurisdiction Premium Expenses and LAE 6 + 7 Payable Receivable Premium Companies Posted Letters of Credit Held in Trust

0199999. Affiliates - U. S. Intercompany Pooling................................................................................................. .........................0 .........................0 .........................0 .........................0 .........................0 .........................0 .........................0 .........................0 .........................0 ............................0 .........................00299999. Affiliates - U.S. Non-Pool - Captive...................................................................................................... .........................0 .........................0 .........................0 .........................0 .........................0 .........................0 .........................0 .........................0 .........................0 ............................0 .........................00399999. Affiliates - U.S. Non-Pool - Other.......................................................................................................... .........................0 .........................0 .........................0 .........................0 .........................0 .........................7 .........................0 .........................0 .........................0 ............................0 .........................00499999. Affiliates - U.S. Non-Pool - Total........................................................................................................... .........................0 .........................0 .........................0 .........................0 .........................0 .........................7 .........................0 .........................0 .........................0 ............................0 .........................00599999. Affiliates - Other (Non-U. S.) - Captive................................................................................................. .........................0 .........................0 .........................0 .........................0 .........................0 .........................0 .........................0 .........................0 .........................0 ............................0 .........................00699999. Affiliates - Other (Non-U. S.) - Other.................................................................................................... ...............23,030 .......................72 ...............39,232 ...............39,305 .........................0 ..................3,583 ...............13,135 .........................0 .........................0 ............................0 .........................00799999. Affiliates - Other (Non-U. S.) - Total..................................................................................................... ...............23,030 .......................72 ...............39,232 ...............39,305 .........................0 ..................3,583 ...............13,135 .........................0 .........................0 ............................0 .........................00899999. Total Affiliates........................................................................................................................................ ...............23,030 .......................72 ...............39,232 ...............39,305 .........................0 ..................3,590 ...............13,135 .........................0 .........................0 ............................0 .........................00999998. Other U. S. Unaffiliated Insurers for which the total of column 8 is less than $100,000..................... ...............33,763 .......................48 ..................5,369 ..................5,417 .....................190 .............333,170 ...............14,646 .....................433 .........................0 ............................0 .........................00999999. Other U. S. Unaffiliated Insurers........................................................................................................... .............373,399 ..................1,840 .............568,293 .............570,134 ..................4,584 .............391,101 .............148,462 ..................3,417 .........................0 ............................0 .........................01099998. Pools and Associations for which the total of column 8 is less than $100,000-Mandatory................. ...............19,495 .........................0 ..................1,655 ..................1,655 .........................0 .........................0 ...............20,820 .........................0 .........................0 ............................0 .........................01099999. Pools and Associations - Mandatory Pools.......................................................................................... .............137,644 .........................0 .............405,484 .............405,484 .........................0 .........................0 ...............64,916 ..................1,100 .........................0 ............................0 .........................01199998. Pools and Associations for which the total of column 8 is less than $100,000-Voluntary.................. .....................218 .........................0 .....................348 .....................348 .........................0 ...................(993) .....................210 .....................197 .........................0 ............................0 .........................01199999. Pools and Associations - Voluntary Pools............................................................................................ ..................1,032 ..................3,709 .............239,518 .............243,227 .........................0 ................(1,782) .....................731 ..................1,282 .........................0 ............................0 .............197,0861299999. Total Pools and Associations............................................................................................................... .............138,676 ..................3,709 .............645,002 .............648,711 .........................0 ................(1,782) ...............65,647 ..................2,382 .........................0 ............................0 .............197,0861399998. Other Non-U. S. Insurers for which the total of column 8 is less than $100,000................................. ...............11,845 .......................43 ..................3,141 ..................3,185 ..................1,384 ..................4,339 ..................7,689 ...............11,848 .....................170 ............................0 .........................01399999. Other Non-U. S. Insurers...................................................................................................................... ...............18,612 ..................1,224 .............137,727 .............138,951 ..................1,705 ..................9,718 ...............11,580 ...............16,244 .....................829 ............................0 .........................09999999. Totals..................................................................................................................................................... .............553,716 ..................6,846 ..........1,390,255 ..........1,397,101 ..................6,289 .............402,628 .............238,824 ...............22,042 .....................829 ............................0 .............197,086

Page 14: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

21

SCHEDULE F - PART 2Premium Portfolio Reinsurance Effected or (Canceled) during Current Year

1 2 3 4 5 6NAIC

ID CompanyNumber Code Name of Company Date of Contract Original Premium Reinsurance Premium

0199999. Total Reinsurance Ceded by Portfolio.............................................................................................................. ..................................................0 ..................................................00299999. Total Reinsurance Assumed by Portfolio.......................................................................................................... ..................................................0 ..................................................0

NONE

Page 15: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

22

SCHEDULE F - PART 3Ceded Reinsurance as of December 31, Current Year (000 Omitted)

1 2 3 4 5 6 Reinsurance Recoverable on Reinsurance Payable 18 19Reinsurance 7 8 9 10 11 12 13 14 15 16 17

Contracts Net Amount Funds HeldCeding 75% or Known Known Other Recoverable By Company

NAIC More of Direct Reinsurance Case Case IBNR IBNR Cols. Ceded Amounts From UnderID Company Domiciliary Premiums Premiums Paid Paid Loss LAE Loss LAE Unearned Contingent 7 thru 14 Balances Due to Reinsurers Reinsurance

Number Code Name of Reinsurer Jurisdiction Written Ceded Losses LAE Reserves Reserves Reserves Reserves Premiums Commissions Totals Payable Reinsurers Col. 15-[16+17] Treaties0199999. Total Authorized Affiliates - U.S. Intercompany Pooling................................................................................ .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................00299999. Total Authorized Affiliates - U.S. Non-Pool - Captives.................................................................................. .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................00399999. Total Authorized Affiliates - U.S. Non-Pool - Other....................................................................................... .................0 ..............(80) .............103 .................0 .................0 .................0 .................0 .................0 .................0 ...............22 ..............(12) .................0 ...................34 ..................00499999. Total Authorized Affiliates - U.S. Non-Pool - Total........................................................................................ .................0 ..............(80) .............103 .................0 .................0 .................0 .................0 .................0 .................0 ...............22 ..............(12) .................0 ...................34 ..................00599999. Total Authorized Affiliates - Other (Non-U.S.) - Captives.............................................................................. .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................00699999. Total Authorized Affiliates - Other (Non-U.S.) - Other................................................................................... ..........5,172 .............205 .................7 ...............38 ...............31 ...............51 ...............11 ..........2,973 .................0 ..........3,316 .............567 .................0 ..............2,748 ..................00799999. Total Authorized Affiliates - Other (Non-U.S.) - Total.................................................................................... ..........5,172 .............205 .................7 ...............38 ...............31 ...............51 ...............11 ..........2,973 .................0 ..........3,316 .............567 .................0 ..............2,748 ..................00899999. Total Authorized Affiliates.............................................................................................................................. ..........5,172 .............125 .............109 ...............38 ...............31 ...............51 ...............11 ..........2,973 .................0 ..........3,338 .............555 .................0 ..............2,783 ..................00999998. Total Authorized Other U.S. Unaffiliated Insurers (Under $100,000)............................................................ .............460 ...............53 ...............60 .............945 .............111 ............(315) ...............41 .............170 .................0 ..........1,064 .............773 .................0 .................291 ................930999999. Total Authorized Other U.S. Unaffiliated Insurers......................................................................................... ......675,468 ......261,410 ........16,138 ...1,055,066 ......118,070 ...1,017,912 ......146,911 ......287,389 .............951 ...2,903,848 ......126,740 .................0 .......2,777,107 ...........3,4851099999. Total Authorized Pools - Mandatory Pools.................................................................................................... ......589,277 ........58,988 .................0 ...1,771,181 ..........3,441 ......775,360 .........(2,798) ......268,046 .................0 ...2,874,217 ..........3,323 .................0 .......2,870,894 ..................01199999. Total Authorized Pools - Voluntary Pools...................................................................................................... .........(4,739) ........35,454 ..........1,689 ......130,341 ........30,050 ........74,822 ........12,559 .............202 .................0 ......285,117 ........17,492 .................0 ..........267,625 ..............1001299998. Total Authorized Other Non-U.S. Insurers (Under $100,000)....................................................................... .............731 ...............45 .............100 .............945 .............288 .............597 ...............57 .............286 .................0 ..........2,318 .............840 .................0 ..............1,478 ..............2651299999. Total Authorized Other Non-U.S. Insurers.................................................................................................... ......182,980 ........10,722 ..........2,900 ......136,160 ........19,434 ......122,111 ........14,399 ........65,830 .................0 ......371,556 ..........2,822 .................0 ..........368,735 .........66,0491399999. Total Authorized............................................................................................................................................ ...1,448,157 ......366,699 ........20,836 ...3,092,786 ......171,026 ...1,990,257 ......171,082 ......624,440 .............951 ...6,438,076 ......150,932 .................0 .......6,287,143 .........69,6351499999. Total Unauthorized Affiliates - U.S. Intercompany Pooling........................................................................... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................01599999. Total Unauthorized Affiliates - U.S. Non-Pool - Captives.............................................................................. .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................01699999. Total Unauthorized Affiliates - U.S. Non-Pool - Other................................................................................... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................01799999. Total Unauthorized Affiliates - U.S. Non-Pool - Total.................................................................................... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................01899999. Total Unauthorized Affiliates - Other (Non-U.S.) - Captives.......................................................................... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................01999999. Total Unauthorized Affiliates - Other (Non-U.S.) - Other............................................................................... ..........5,725 ...............23 .................1 ..........1,753 .............160 ..........6,986 .............531 ..........4,349 .................0 ........13,802 .............116 .................0 ............13,686 ..................02099999. Total Unauthorized Affiliates - Other (Non-U.S.) - Total................................................................................ ..........5,725 ...............23 .................1 ..........1,753 .............160 ..........6,986 .............531 ..........4,349 .................0 ........13,802 .............116 .................0 ............13,686 ..................02199999. Total Unauthorized Affiliates......................................................................................................................... ..........5,725 ...............23 .................1 ..........1,753 .............160 ..........6,986 .............531 ..........4,349 .................0 ........13,802 .............116 .................0 ............13,686 ..................02299998. Total Unauthorized Other U.S. Unaffiliated Insurers (Under $100,000)........................................................ .............124 .................6 .................1 .............109 ..............(27) .............124 ...............10 ...............88 .................0 .............312 .............237 .................0 ...................75 ..............2102299999. Total Unauthorized Other U.S. Unaffiliated Insurers..................................................................................... ........48,505 ..........2,912 .............210 ........35,556 ..........3,435 ........47,092 ..........6,499 ........14,511 .................0 ......110,214 ..........7,062 .................0 ..........103,152 ...........4,3552399999. Total Unauthorized Pools - Mandatory Pools................................................................................................ .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................02499999. Total Unauthorized Pools - Voluntary Pools.................................................................................................. ..........1,201 .................0 .................0 ..........1,874 ...............35 .............110 ...............12 .............103 .................0 ..........2,134 .................0 .................0 ..............2,134 ..................02599998. Total Unauthorized Other Non-U.S. Insurers (Under $100,000)................................................................... ...............27 ...............65 ..............(37) .............679 ...............79 .............438 .............160 .............137 .................0 ..........1,521 ..........1,528 .................0 ....................(6) ...........1,9302599999. Total Unauthorized Other Non-U.S. Insurers................................................................................................ ......270,781 ..........8,394 ..........1,136 ......256,284 ........18,852 ......226,154 ........38,880 ......111,174 .................0 ......660,875 ........63,078 .................0 ..........597,796 .......155,2822699999. Total Unauthorized........................................................................................................................................ ......326,211 ........11,329 ..........1,347 ......295,466 ........22,481 ......280,342 ........45,923 ......130,137 .................0 ......787,025 ........70,257 .................0 ..........716,768 .......159,6372799999. Total Certified Affiliates - U.S. Intercompany Pooling................................................................................... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................02899999. Total Certified Affiliates - U.S. Non-Pool - Captives...................................................................................... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................02999999. Total Certified Affiliates - U.S. Non-Pool - Other........................................................................................... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................03099999. Total Certified Affiliates - U.S. Non-Pool - Total............................................................................................ .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................03199999. Total Certified Affiliates - Other (Non-U.S.) - Captives.................................................................................. .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................03299999. Total Certified Affiliates - Other (Non-U.S.) - Other....................................................................................... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................03399999. Total Certified Affiliates - Other (Non-U.S.) - Total........................................................................................ .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................03499999. Total Certified Affiliates................................................................................................................................. .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................0

Page 16: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

22.1

SCHEDULE F - PART 3Ceded Reinsurance as of December 31, Current Year (000 Omitted)

1 2 3 4 5 6 Reinsurance Recoverable on Reinsurance Payable 18 19Reinsurance 7 8 9 10 11 12 13 14 15 16 17

Contracts Net Amount Funds HeldCeding 75% or Known Known Other Recoverable By Company

NAIC More of Direct Reinsurance Case Case IBNR IBNR Cols. Ceded Amounts From UnderID Company Domiciliary Premiums Premiums Paid Paid Loss LAE Loss LAE Unearned Contingent 7 thru 14 Balances Due to Reinsurers Reinsurance

Number Code Name of Reinsurer Jurisdiction Written Ceded Losses LAE Reserves Reserves Reserves Reserves Premiums Commissions Totals Payable Reinsurers Col. 15-[16+17] Treaties3599998. Total Certified Other U.S. Unaffiliated Insurers (Under $100,000)................................................................ .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................03599999. Total Certified Other U.S. Unaffiliated Insurers............................................................................................. .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................03699999. Total Certified Pools - Mandatory Pools........................................................................................................ .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................03799999. Total Certified Pools - Voluntary Pools.......................................................................................................... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................03899998. Total Certified Other Non-U.S. Insurers (Under $100,000)........................................................................... .............389 .................0 .................0 .................0 .................0 .................0 .................0 .............129 .................0 .............129 .............130 .................0 ....................(1) ..................03899999. Total Certified Other Non-U.S. Insurers........................................................................................................ ..........2,807 .................0 .................0 .................0 .................0 ..........2,583 ...............16 ..........1,338 .................0 ..........3,937 ..........2,215 .................0 ..............1,722 ..................03999999. Total Certified................................................................................................................................................ ..........2,807 .................0 .................0 .................0 .................0 ..........2,583 ...............16 ..........1,338 .................0 ..........3,937 ..........2,215 .................0 ..............1,722 ..................04099999. Total Authorized, Unauthorized and Certified............................................................................................... ...1,777,175 ......378,028 ........22,182 ...3,388,253 ......193,507 ...2,273,181 ......217,021 ......755,915 .............951 ...7,229,037 ......223,403 .................0 .......7,005,634 .......229,2714199999. Total Protected Cell....................................................................................................................................... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ..................09999999. Totals............................................................................................................................................................. ...1,777,175 ......378,028 ........22,182 ...3,388,253 ......193,507 ...2,273,181 ......217,021 ......755,915 .............951 ...7,229,037 ......223,403 .................0 .......7,005,634 .......229,271

Note A: Report the five largest provisional commission rates included in the cedant's reinsurance treaties. The commission rate to be reported is by contract with ceded premium in excess of $50,000.

1 2 3Commission Ceded

Name of Reinsurer Rate Premium(1) COLONNADE VERMONT INSURANCE COMPANY..................................................................................... ............42.0 ...............72(2) MITSUI SUMITOMO INSURANCE CO OF AMERICA................................................................................... ............37.0 ..........4,269(3) TOKIO MAR & NICHIDO FIRE INS CO LTD US B........................................................................................ ............37.0 ..........2,665(4) SOMPO JAPAN INS COMPANY OF AMERICA INC..................................................................................... ............37.0 ..........1,282(5) MITSUI SUMITOMO INSURANCE CO OF AMERICA................................................................................... ............37.0 .............936

Note B: Report the five largest reinsurance recoverables reported in Column 15, due from any one reinsurer (based on the total recoverables, Line 9999999, Column 15), the amount of ceded premium, and indicate whether the recoverables are due from an affiliated insurer.

1 2 3 4Total Ceded

Name of Reinsurer Recoverables Premiums Affiliated(1) NATIONAL WORKERS COMP REINSURANCE POOL................................................................................ ...1,771,246 ......243,852 Yes [ ] No [ X ](2) MUNICH REINSURANCE AMERICA INC...................................................................................................... ......490,034 ........62,180 Yes [ ] No [ X ](3) SWISS REINSURANCE AMERICA CORPORATION.................................................................................... ......412,941 ......177,579 Yes [ ] No [ X ](4) MICHIGAN CATASTROPHE CLAIM ASSOCIATION.................................................................................... ......384,659 ..........1,991 Yes [ ] No [ X ](5) TRANSATLANTIC REINSURANCE COMPANY............................................................................................ ......222,612 ........60,709 Yes [ ] No [ X ]

Page 17: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

23

SCHEDULE F - PART 4Aging of Ceded Reinsurance as of December 31, Current Year (000 Omitted)

1 2 3 4 Reinsurance Recoverable on Paid Losses and Paid Loss Adjustment Expenses 12 135 Overdue 11 Percentage

6 7 8 9 10 More ThanNAIC Total Percentage 120 Days

ID Company Domiciliary Total Overdue Due Overdue OverdueNumber Code Name of Reinsurer Jurisdiction Current 1 to 29 Days 30 to 90 Days 91 to 120 Days Over 120 Days Cols. 6 + 7 + 8 + 9 Cols. 5 + 10 Col. 10 / Col. 11 Col. 9 / Col. 11

0199999. Total Authorized - Affiliates - U.S. Intercompany Pooling............................................................................................ ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.00299999. Total Authorized - Affiliates - U.S. Non-Pool - Captives............................................................................................... ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.00399999. Total Authorized - Affiliates - U.S. Non-Pool - Other.................................................................................................... ............................22 ..............................0 ..............................1 ..............................1 .............................(2) ..............................0 ............................22 .......................0.0 ......................(9.0)0499999. Total Authorized - Affiliates - U.S. Non-Pool - Total..................................................................................................... ............................22 ..............................0 ..............................1 ..............................1 .............................(2) ..............................0 ............................22 .......................0.0 ......................(9.0)0599999. Total Authorized - Affiliates - Other (Non-U.S.) - Captives........................................................................................... ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.00699999. Total Authorized - Affiliates - Other (Non-U.S.) - Other................................................................................................ ..........................198 ..............................0 ..............................0 ..............................0 ............................13 ............................13 ..........................212 .......................6.3 .......................6.30799999. Total Authorized - Affiliates - Other (Non-U.S.) - Total................................................................................................. ..........................198 ..............................0 ..............................0 ..............................0 ............................13 ............................13 ..........................212 .......................6.3 .......................6.30899999. Total Authorized - Affiliates.......................................................................................................................................... ..........................221 ..............................0 ..............................1 ..............................1 ............................11 ............................13 ..........................234 .......................5.7 .......................4.80999999. Total Authorized - Other U.S. Unaffiliated Insurers...................................................................................................... .....................50,057 .......................4,672 .......................5,532 .......................1,351 ...................215,935 ...................227,491 ...................277,548 .....................82.0 .....................77.81099999. Total Authorized - Pools - Mandatory Pools................................................................................................................. .....................58,988 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .....................58,988 .......................0.0 .......................0.01199999. Total Authorized - Pools - Voluntary Pools................................................................................................................... ..........................781 ..........................199 ..........................730 ..............................0 .....................35,432 .....................36,362 .....................37,143 .....................97.9 .....................95.41299999. Total Authorized - Other Non-U.S. Insurers................................................................................................................. .......................4,784 .......................2,612 .......................2,687 ............................93 .......................3,445 .......................8,838 .....................13,622 .....................64.9 .....................25.31399999. Total Authorized........................................................................................................................................................... ...................114,831 .......................7,484 .......................8,950 .......................1,445 ...................254,824 ...................272,704 ...................387,534 .....................70.4 .....................65.81499999. Total Unauthorized - Affiliates - U.S. Intercompany Pooling........................................................................................ ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.01599999. Total Unauthorized - Affiliates - U.S. Non-Pool - Captives........................................................................................... ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.01699999. Total Unauthorized - Affiliates - U.S. Non-Pool - Other................................................................................................ ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.01799999. Total Unauthorized - Affiliates - U.S. Non-Pool - Total................................................................................................. ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.01899999. Total Unauthorized - Affiliates - Other (Non-U.S.) - Captives....................................................................................... ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.01999999. Total Unauthorized - Affiliates - Other (Non-U.S.) - Other............................................................................................ ............................24 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ............................24 .......................0.0 .......................0.02099999. Total Unauthorized - Affiliates - Other (Non-U.S.) - Total............................................................................................. ............................24 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ............................24 .......................0.0 .......................0.02199999. Total Unauthorized - Affiliates...................................................................................................................................... ............................24 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ............................24 .......................0.0 .......................0.02299999. Total Unauthorized - Other U.S. Unaffiliated Insurers.................................................................................................. ..........................339 .............................(0) .........................(170) ............................45 .......................2,907 .......................2,783 .......................3,122 .....................89.1 .....................93.12399999. Total Unauthorized - Pools - Mandatory Pools............................................................................................................. ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.02499999. Total Unauthorized - Pools - Voluntary Pools.............................................................................................................. ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.02599999. Total Unauthorized - Other Non-U.S. Insurers............................................................................................................. .......................7,794 .......................1,136 ..........................316 ..........................169 ..........................115 .......................1,736 .......................9,530 .....................18.2 .......................1.22699999. Total Unauthorized....................................................................................................................................................... .......................8,157 .......................1,136 ..........................147 ..........................214 .......................3,022 .......................4,519 .....................12,676 .....................35.7 .....................23.82799999. Total Certified - Affiliates - U.S. Intercompany Pooling................................................................................................ ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.02899999. Total Certified - Affiliates - U.S. Non-Pool - Captives................................................................................................... ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.02999999. Total Certified - Affiliates - U.S. Non-Pool - Other........................................................................................................ ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.03099999. Total Certified - Affiliates - U.S. Non-Pool - Total......................................................................................................... ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.03199999. Total Certified - Affiliates - Other (Non-U.S.) - Captives............................................................................................... ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.03299999. Total Certified - Affiliates - Other (Non-U.S.) - Other.................................................................................................... ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.03399999. Total Certified - Affiliates - Other (Non-U.S.) - Total..................................................................................................... ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.03499999. Total Certified - Affiliates.............................................................................................................................................. ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.03599999. Total Certified - Other U.S. Unaffiliated Insurers.......................................................................................................... ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.03699999. Total Certified - Pools - Mandatory Pools..................................................................................................................... ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.03799999. Total Certified - Pools - Voluntary Pools...................................................................................................................... ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.03899999. Total Certified - Other Non-U.S. Insurers..................................................................................................................... ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.03999999. Total Certified............................................................................................................................................................... ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.04099999. Total Authorized, Unauthorized and Certified.............................................................................................................. ...................122,987 .......................8,620 .......................9,097 .......................1,659 ...................257,847 ...................277,223 ...................400,210 .....................69.3 .....................64.44199999. Total Protected Cells.................................................................................................................................................... ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 ..............................0 .......................0.0 .......................0.09999999. Totals............................................................................................................................................................................ ...................122,987 .......................8,620 .......................9,097 .......................1,659 ...................257,847 ...................277,223 ...................400,210 .....................69.3 .....................64.4

Page 18: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

24

SCHEDULE F - PART 5Provision for Unauthorized Reinsurance as of December 31, Current Year (000 Omitted)

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18Total

Provision forTotal Reinsurance

Reinsurance Trust Funds Collateral and Recoverable Ceded toRecoverable Funds Held Issuing or and Offsets Allowed Provision for Paid Losses & 20% of Provision for Unauthorized

all Items By Company Confirming Other (Cols. 6 + 7 + Unauthorized LAE Expenses Amount in Overdue ReinsurersNAIC Schedule F, Under Letters Bank Ceded Miscellaneous Allowed 9 + 10 + 11 but Reinsurance Over 90 Days 20% Dispute Reinsurance (Col. 13 plus

ID Company Domiciliary Part 3, Reinsurance of Reference Balances Balances Offset not in Excess (Col. 5 minus Past Due not of Amount Included in (Col. 15 plus Col. 17 but not inNumber Code Name of Reinsurer Jurisdiction Col. 15 Treaties Credit Number (a) Payable Payable Items of Col. 5) Col. 12) in Dispute in Col. 14 Col. 5 Col. 16) Excess of Col. 5)

0199999. Total Affiliates - U.S. Intercompany Pooling............................................... .....................0 .....................0 .....................0 ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 ........................00299999. Total Affiliates - U.S. Non-Pool - Captive................................................... .....................0 .....................0 .....................0 ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 ........................00399999. Total Affiliates - U.S. Non-Pool - Other...................................................... .....................0 .....................0 .....................0 ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 ........................00499999. Total Affiliates - U.S. Non-Pool - Total....................................................... .....................0 .....................0 .....................0 ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 ........................00599999. Total Affiliates - Other Non-U.S. Insurers - Captive................................... .....................0 .....................0 .....................0 ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 ........................00699999. Total Affiliates - Other Non-U.S. Insurers - Other....................................... ............13,802 .....................0 .....................0 ........XXX......... .................116 .....................0 .....................0 ...................47 ............13,755 .....................0 .....................0 .....................0 .....................0 ...............13,7550799999. Total Affiliates - U.S. Non-Pool - Total....................................................... ............13,802 .....................0 .....................0 ........XXX......... .................116 .....................0 .....................0 ...................47 ............13,755 .....................0 .....................0 .....................0 .....................0 ...............13,7550899999. Total Affiliates............................................................................................. ............13,802 .....................0 .....................0 ........XXX......... .................116 .....................0 .....................0 ...................47 ............13,755 .....................0 .....................0 .....................0 .....................0 ...............13,7550999999. Total Other U.S. Unaffiliated Insurers........................................................ ..........110,214 ..............4,355 ............36,903 ........XXX......... ..............7,062 .....................0 ..........102,151 ..........100,192 ............10,023 .................554 .................111 .................480 .................591 ...............10,0001099999. Total Pools and Associations - Mandatory................................................. .....................0 .....................0 .....................0 ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 ........................01199999. Total Pools and Associations - Voluntary................................................... ..............2,134 .....................0 .....................0 ........XXX......... .....................0 .....................0 .....................0 ................(180) ..............2,314 .....................0 .....................0 .....................0 .....................0 .................2,3141299999. Total Other Non-U.S. Insurers.................................................................... ..........660,875 ..........155,282 ..........602,659 ........XXX......... ............63,078 .....................0 ............65,067 ..........596,389 ............64,486 .................283 ...................57 .....................0 ...................57 ...............64,0501399999. Total Affiliates and Others.......................................................................... ..........787,025 ..........159,637 ..........639,563 ........XXX......... ............70,257 .....................0 ..........167,218 ..........696,447 ............90,577 .................837 .................167 .................480 .................647 ...............90,1181499999. Total Protected Cells.................................................................................. .....................0 .....................0 .....................0 ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 ........................09999999. Totals.......................................................................................................... ..........787,025 ..........159,637 ..........639,563 ........XXX......... ............70,257 .....................0 ..........167,218 ..........696,447 ............90,577 .................837 .................167 .................480 .................647 ...............90,118

1. Amounts in dispute totaling $.....2,399 are included in Column 5. 2. Amounts in dispute totaling $.....2,399 are excluded from Column 14.

Page 19: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

25

SCHEDULE F - PART 6 - SECTION 1Provision for Reinsurance Ceded to Certified Reinsurers as of December 31, Current Year (000 Omitted)

1 2 3 4 5 6 7 8 9 10 11 Collateral Provided 18 19 20 2112 13 14 15 16 17 Percent of Percent

Collateral Credit Allowed Provision forNet Provided on Net Amount of Reinsurance

Recoverables for Net Recoverables Credit with CertifiedPercent Net Amount Subject to Dollar Total Recoverables Subject Allowed Reinsurers

Effective Collateral Recoverable Catastrophe Collateral Amount of Funds Held Issuing or Collateral Subject to Collateral for Net Due toCertified Date of Required from Recoverables Requirements Collateral by Company Confirming Provided to Collateral Requirements Recoverables Collateral

NAIC Reinsurer Certified for Full Reinsurers Qualifying for for Full Credit Required Multiple Under Bank Other (Cols. 12 + Requirements (Col. 18/Col. 7, (Col 9 DeficiencyID Company Domiciliary Rating Reinsurer Credit (Sch F Part 3 Collateral (Col. 8 - (Col. 10 x Beneficiary Reinsurance Letters Reference Allowable 13 + 14 + (Col. 17 / not to exceed + (Col. 10 (Col 8 -

Number Code Name of Reinsurer Jurisdiction (1 through 6) Rating (0% - 100%) Col. 18) Deferral Col. 9) Col. 7) Trust Treaties of Credit Number (a) Collateral 16) Col. 10) 100%) x Col. 19)) Col. 20)0199999. Total Affiliates - U.S. Intercompany Pooling........................................................................................... ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 .......XXX.......... ....................0 ....................0 .......XXX......... .......XXX......... ....................0 ....................00299999. Total Affiliates - U.S. Non-Pool - Captive................................................................................................ ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 .......XXX.......... ....................0 ....................0 .......XXX......... .......XXX......... ....................0 ....................00399999. Total Affiliates - U.S. Non-Pool - Other................................................................................................... ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 .......XXX.......... ....................0 ....................0 .......XXX......... .......XXX......... ....................0 ....................00499999. Total Affiliates - U.S. Non-Pool - Total.................................................................................................... ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 .......XXX.......... ....................0 ....................0 .......XXX......... .......XXX......... ....................0 ....................00599999. Total Affiliates - Other Non-U.S. Insurers - Captive................................................................................ ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 .......XXX.......... ....................0 ....................0 .......XXX......... .......XXX......... ....................0 ....................00699999. Total Affiliates - Other Non-U.S. Insurers - Other................................................................................... ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 .......XXX.......... ....................0 ....................0 .......XXX......... .......XXX......... ....................0 ....................00799999. Total Affiliates - Other Non-U.S. Insurers - Total.................................................................................... ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 .......XXX.......... ....................0 ....................0 .......XXX......... .......XXX......... ....................0 ....................00899999. Total Affiliates......................................................................................................................................... ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 .......XXX.......... ....................0 ....................0 .......XXX......... .......XXX......... ....................0 ....................00999999. Total Other U.S. Unaffiliated Insurers..................................................................................................... ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 .......XXX.......... ....................0 ....................0 .......XXX......... .......XXX......... ....................0 ....................01099999. Total Pools and Associations - Mandatory.............................................................................................. ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 .......XXX.......... ....................0 ....................0 .......XXX......... .......XXX......... ....................0 ....................01199999. Total Pools and Associations - Voluntary............................................................................................... ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 .......XXX.......... ....................0 ....................0 .......XXX......... .......XXX......... ....................0 ....................01299999. Total Other Non-U.S. Insurers................................................................................................................ .............1,722 ....................0 .............1,722 ................344 ....................0 ....................0 ....................0 .......XXX.......... ....................0 ....................0 .......XXX......... .......XXX......... ....................0 .............1,7231399999. Total Affiliates and Others....................................................................................................................... .............1,722 ....................0 .............1,722 ................344 ....................0 ....................0 ....................0 .......XXX.......... ....................0 ....................0 .......XXX......... .......XXX......... ....................0 .............1,7231499999. Total Protected Cells............................................................................................................................... ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 ....................0 .......XXX.......... ....................0 ....................0 .......XXX......... .......XXX......... ....................0 ....................09999999. Totals...................................................................................................................................................... .............1,722 ....................0 .............1,722 ................344 ....................0 ....................0 ....................0 .......XXX.......... ....................0 ....................0 .......XXX......... .......XXX......... ....................0 .............1,723

Page 20: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

26

SCHEDULE F - PART 6 - SECTION 2Provision for Overdue Reinsurance Ceded to Certified Reinsurers as of December 31, Current Year (000 Omitted)

1 2 3 4 5 6 7 8 9 10 11 Complete if Column 8 is 20% or Greater 15Amount of 12 13 14 Provision for

Reinsurance Credit Allowed Total Collateral Net Unsecured Overdue ReinsuranceRecoverable on Total for Net Provided Recoverable for Ceded to CertifiedPaid Loss and Reinsurance Amounts 20% of Amounts Recoverables (Sch F Part 6 Which Credit is Reinsurers (Greater

NAIC LAE More than Recoverable on Received Percent More 20% of in Dispute (Sch F Part 6 Section 1 Allowed 20% of of Col. 9 + Col. 10ID Company Domiciliary 90 Days Paid Losses Prior than 90 Days Amount in Excluded from Section 1 Col. 17) not to (Col. 11 - Amount in or Col. 14) not to

Number Code Name of Reinsurer Jurisdiction Overdue (a) and LAE (b) 90 Days Overdue Col. 5 Col. 5 Col. 20) Exceed Col. 11 Col. 12) Col. 13 Exceed Col. 110199999. Total Affiliates - U.S. Intercompany Pooling................................................................................................................. ......................0 ......................0 ......................0 .........XXX......... ......................0 ......................0 ......................0 ......................0 ......................0 ......................0 ...............................00299999. Total Affiliates - Non-Pool - Captive............................................................................................................................. ......................0 ......................0 ......................0 .........XXX......... ......................0 ......................0 ......................0 ......................0 ......................0 ......................0 ...............................00399999. Total Affiliates - Non-Pool - Other................................................................................................................................ ......................0 ......................0 ......................0 .........XXX......... ......................0 ......................0 ......................0 ......................0 ......................0 ......................0 ...............................00499999. Total Affiliates - Non-Pool - Total................................................................................................................................. ......................0 ......................0 ......................0 .........XXX......... ......................0 ......................0 ......................0 ......................0 ......................0 ......................0 ...............................00599999. Total Affiliates - Other Non-U.S. Insurers - Captive..................................................................................................... ......................0 ......................0 ......................0 .........XXX......... ......................0 ......................0 ......................0 ......................0 ......................0 ......................0 ...............................00699999. Total Affiliates - Other Non-U.S. Insurers - Other......................................................................................................... ......................0 ......................0 ......................0 .........XXX......... ......................0 ......................0 ......................0 ......................0 ......................0 ......................0 ...............................00799999. Total Affiliates - Other Non-U.S. Insurers - Total.......................................................................................................... ......................0 ......................0 ......................0 .........XXX......... ......................0 ......................0 ......................0 ......................0 ......................0 ......................0 ...............................00899999. Total Affiliates............................................................................................................................................................... ......................0 ......................0 ......................0 .........XXX......... ......................0 ......................0 ......................0 ......................0 ......................0 ......................0 ...............................00999999. Total Other U.S. Unaffiliated Insurers.......................................................................................................................... ......................0 ......................0 ......................0 .........XXX......... ......................0 ......................0 ......................0 ......................0 ......................0 ......................0 ...............................01099999. Total Pools and Associations - Mandatory................................................................................................................... ......................0 ......................0 ......................0 .........XXX......... ......................0 ......................0 ......................0 ......................0 ......................0 ......................0 ...............................01199999. Total Pools and Associations - Voluntary..................................................................................................................... ......................0 ......................0 ......................0 .........XXX......... ......................0 ......................0 ......................0 ......................0 ......................0 ......................0 ...............................01299999. Total Other Non-U.S. Insurers...................................................................................................................................... ......................0 ......................0 ......................0 .........XXX......... ......................0 ......................0 ......................0 ......................0 ......................0 ......................0 ...............................01399999. Total Affiliates and Others............................................................................................................................................ ......................0 ......................0 ......................0 .........XXX......... ......................0 ......................0 ......................0 ......................0 ......................0 ......................0 ...............................01499999. Total Protected Cells.................................................................................................................................................... ......................0 ......................0 ......................0 .........XXX......... ......................0 ......................0 ......................0 ......................0 ......................0 ......................0 ...............................09999999. Totals............................................................................................................................................................................ ......................0 ......................0 ......................0 .........XXX......... ......................0 ......................0 ......................0 ......................0 ......................0 ......................0 ...............................0

(a) From Schedule F-Part 4 Columns 8 + 9, total certified, less $..........0 in dispute. (b) From Schedule F-Part 3 Columns 7 + 8, total certified, less $..........0 in dispute.

NONE

Page 21: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

27

SCHEDULE F - PART 7Provision for Overdue Authorized Reinsurance as of December 31, Current Year

1 2 3 4 5 6 7 8 9 10 11Reinsurance Amounts in Dispute

Recoverable on Total Reinsurance Amounts Amounts in Col. 4 Excluded from Col. 4Federal NAIC Paid Losses and LAE Recoverable on Received for Companies for Companies 20% of Amount

ID Company more than 90 Days Paid Losses and Prior Col. 4 divided Reporting less than Reporting less than Amount in Reported in Col.Number Code Name of Reinsurer Overdue (a) Paid LAE (b) 90 Days by (Cols. 5 + 6) 20% in Col. 7 20% in Col. 7 Col. 9 8 x 20% + Col. 10

9999999. Total Overdue Authorized Reinsurance......................................................................... .......................6,962,858 ................2,089,847,994 ...................173,286,438 ..............XXX................... .......................2,305,418 ...................246,451,818 .....................49,290,364 .....................49,780,358(a) From Schedule F-Part 4 Columns 8 + 9, total authorized, less $.....249,306,900 in dispute. (b) From Schedule F-Part 3 Columns 7 + 8, total authorized, less $.....249,574,963 in dispute.

Page 22: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

28

SCHEDULE F - PART 8Provision for Overdue Reinsurance as of December 31, Current Year

1 2 3 4 5 6 7 8 9 10 11 12Funds Held Sum of Cols. 5

NAIC Reinsurance by Company Letters Ceded Other Other through 9 but Col. 4 Greater of Col. 11 orID Company Recoverable Under Reinsurance of Balances Miscellaneous Allowed Offset not in Excess Minus Schedule F - Part 4

Number Code Name of Reinsurer All Items Treaties Credit Payable Balances Items of Col. 4 Col. 10 Cols. 8 + 99999999. Total Overdue Reinsurance........................................................................................................... ................99,355,401 .....................316,681 ..................2,092,063 ..................3,636,734 ................................0 ................10,686,915 ..................9,411,384 ................89,944,018 ................90,292,672

1. Total..................................................................................................................................................................................................................... ................90,292,6722. Line 1 x .20.......................................................................................................................................................................................................... ................18,058,5343. Schedule F - Part 7 Col. 11................................................................................................................................................................................. ................49,780,3584. Provision for Overdue Authorized Reinsurance (Lines 2 + 3)............................................................................................................................. ................67,838,8935. Provision for Reinsurance Ceded to Unauthorized Reinsurers (Schedule F- Part 5 Col. 18 x 1000)................................................................. ................90,118,3606. Provision for Reinsurance Ceded to Certified Reinsurers (Schedule F, Part 6, Section 1, Col. 21 x 1000)....................................................... ..................1,723,4507. Provision for Overdue Reinsurance Ceded to Certified Reinsurers (Schedule F, Part 6, Section 2, Col. 15 x 1000)......................................... ................................08. Provision for Reinsurance (sum Lines 4 + 5 + 6 + 7) (Enter this amount on Page 3, Line 16)........................................................................... ..............159,680,703

Page 23: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

30

SCHEDULE H - ACCIDENT AND HEALTH EXHIBITGroup Credit Accident and Other Individual Contracts

Accident and Health (Group and Collectively Guaranteed Non-Renewable for Other AccidentTotal Health Individual) Renewable Non-Cancelable Renewable Stated Reasons Only Only All Other

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18Amount % Amount % Amount % Amount % Amount % Amount % Amount % Amount % Amount %

PART 1 - ANALYSIS OF UNDERWRITING OPERATIONS1. Premiums written....................................................................... ........1,204,121 ......XXX..... ..............(2,014) ....XXX.... ......................0 ....XXX.... ......................0 ....XXX.... ..................0 ....XXX.... ......................0 ......XXX..... ......................0 ....XXX.... ........1,195,252 ....XXX.... .............10,883 ....XXX......

2. Premiums earned....................................................................... ........1,221,731 ......XXX..... ...............3,254 ....XXX.... ......................0 ....XXX.... ......................0 ....XXX.... ..................0 ....XXX.... ......................0 ......XXX..... ......................0 ....XXX.... ........1,207,594 ....XXX.... .............10,883 ....XXX......

3. Incurred claims........................................................................... .............25,708 ............2.1 ..........(130,000) .(3,994.9) ......................0 .........0.0 ......................0 .........0.0 ..................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ...........155,708 ....1,430.8

4. Cost containment expenses....................................................... ...........178,985 ..........14.7 ...........130,000 ..3,994.9 ......................0 .........0.0 ......................0 .........0.0 ..................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 .............48,985 .......450.1

5. Incurred claims and cost containment expenses (Lines 3 and 4)........................................................................... ...........204,693 ..........16.8 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ..................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ...........204,693 ....1,880.9

6. Increase in contract reserves..................................................... ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ..................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ...........0.0

7. Commissions (a)........................................................................ ...........203,714 ..........16.7 .................(697) ......(21.4) ......................0 .........0.0 ......................0 .........0.0 ..................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ...........199,669 .......16.5 ...............4,743 .........43.6

8. Other general insurance expenses............................................ ........1,257,624 ........102.9 ...........179,275 ..5,509.2 ......................0 .........0.0 ......................0 .........0.0 ..................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ........1,078,349 ....9,908.6

9. Taxes, licenses and fees........................................................... ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ..................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ...........0.0

10. Total other expenses incurred................................................... ........1,461,339 ........119.6 ...........178,578 ..5,487.8 ......................0 .........0.0 ......................0 .........0.0 ..................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ...........199,669 .......16.5 ........1,083,092 ....9,952.2

11. Aggregate write-ins for deductions............................................ ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ..................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ...........0.0

12. Gain from underwriting before dividends or refunds.................. ..........(444,300) ........(36.4) ..........(175,324) .(5,387.8) ......................0 .........0.0 ......................0 .........0.0 ..................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ........1,007,926 .......83.5 .......(1,276,902) .(11,733.0)

13. Dividends or refunds.................................................................. ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ..................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ...........0.0

14. Gain from underwriting after dividends or refunds..................... ..........(444,300) ........(36.4) ..........(175,324) .(5,387.8) ......................0 .........0.0 ......................0 .........0.0 ..................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ........1,007,926 .......83.5 .......(1,276,902) .(11,733.0)

DETAILS OF WRITE-INS1101. ................................................................................................... ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ..................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ...........0.0

1102. ................................................................................................... ......................... .................. ......................... ............... ......................... ............... ......................... ............... ..................... ............... ......................... .................. ......................... ............... ......................... ............... ......................... .................

1103. ................................................................................................... ......................... .................. ......................... ............... ......................... ............... ......................... ............... ..................... ............... ......................... .................. ......................... ............... ......................... ............... ......................... .................

1198. Summary of remaining write-ins for Line 11 from overflow page.................................................................... ......................... .................. ......................... ............... ......................... ............... ......................... ............... ..................... ............... ......................... .................. ......................... ............... ......................... ............... ......................... .................

1199. Total (Lines 1101 thru 1103 plus 1198) (Line 11 above)........... ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 .........0.0 ..................0 .........0.0 ......................0 ............0.0 ......................0 .........0.0 ......................0 .........0.0 ......................0 ...........0.0

(a) Includes $..........0 reported as "Contract, membership and other fees retained by agents."

Page 24: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

31

SCHEDULE H - ACCIDENT AND HEALTH EXHIBIT (continued) 1 2 3 4 Other Individual Contracts

Group Credit Accident and 5 6 7 8 9Accident and Health (Group and Collectively Guaranteed Non-Renewable for Other Accident

Total Health Individual) Renewable Non-Cancelable Renewable Stated Reasons Only Only All OtherPART 2 - RESERVES AND LIABILITIES

A. Premium Reserves: 1. Unearned premiums............................................................................................................... ........................502,650 ..........................24,337 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ........................478,284 .................................292. Advance premiums................................................................................................................. ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................03. Reserve for rate credits.......................................................................................................... ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................04. Total premium reserves, current year..................................................................................... ........................502,650 ..........................24,337 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ........................478,284 .................................295. Total premium reserves, prior year......................................................................................... ........................520,260 ..........................29,605 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ........................490,626 .................................296. Increase in total premium reserves........................................................................................ .........................(17,610) ...........................(5,268) ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 .........................(12,342) ...................................0

B. Contract Reserves: 1. Additional reserves................................................................................................................. ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................02. Reserve for future contingent benefits (deferred maternity and other similar benefits).......... ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................03. Total contract reserves, current year...................................................................................... ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................04. Total contract reserves, prior year.......................................................................................... ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................05. Increase in contract reserves................................................................................................. ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0

C. Claim Reserves and Liabilities: 1. Total current year................................................................................................................... ...................10,557,948 .....................1,473,747 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 .................................29 .....................9,084,1722. Total prior year....................................................................................................................... ...................10,644,430 .....................1,508,492 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 .................................29 .....................9,135,9093. Increase.................................................................................................................................. .........................(86,482) .........................(34,745) ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 .........................(51,737)

PART 3 - TEST OF PRIOR YEAR'S CLAIM RESERVES AND LIABILITIES1. Claims Paid During the Year:

1.1 On claims incurred prior to current year............................................................................... ........................103,463 .........................(95,255) ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ........................198,7171.2 On claims incurred during current year................................................................................ ............................8,727 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ............................8,727

2. Claim Reserves and Liabilities, December 31, Current Year: 2.1 On claims incurred prior to current year............................................................................... ...................10,109,036 .....................1,473,747 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 .................................29 .....................8,635,2602.2 On claims incurred during current year................................................................................ ........................448,912 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ........................448,912

3. Test: 3.1 Lines 1.1 and 2.1.................................................................................................................. ...................10,212,499 .....................1,378,492 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 .................................29 .....................8,833,9783.2 Claim reserves and liabilities, December 31, prior year....................................................... ...................10,644,430 .....................1,508,492 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 .................................29 .....................9,135,9093.3 Line 3.1 minus Line 3.2........................................................................................................ .......................(431,931) .......................(130,000) ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 .......................(301,931)

PART 4 - REINSURANCEA. Reinsurance Assumed:

1. Premiums written.................................................................................................................... ............................8,869 ...........................(2,014) ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ..........................10,8832. Premiums earned................................................................................................................... ..........................14,137 ............................3,254 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ..........................10,8833. Incurred claims....................................................................................................................... .......................(124,000) .......................(130,000) ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ............................6,0004. Commissions.......................................................................................................................... ............................4,046 ..............................(697) ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ............................4,743

B. Reinsurance Ceded: 1. Premiums written.................................................................................................................... ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................02. Premiums earned................................................................................................................... ........................409,506 ...................................0 ...................................0 ...................................0 ........................409,506 ...................................0 ...................................0 ...................................0 ...................................03. Incurred claims....................................................................................................................... ....................(4,617,607) ....................(4,409,312) ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 .......................(208,295)4. Commissions.......................................................................................................................... ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0 ...................................0

(a) Includes $..........0 premium deficiency reserve.

Page 25: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

33

SCHEDULE P - ANALYSIS OF LOSSES AND LOSS EXPENSES

SCHEDULE P - PART 1 - SUMMARY($000 Omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior......... .........XXX....... .........XXX....... .........XXX....... ......690,059 ......210,900 ......282,937 ........27,414 ......140,671 ..........1,419 ........52,838 .........873,933 ......XXX.......2. 2004......... ....23,136,241 ......3,857,200 ....19,279,041 ...9,800,292 ...1,632,089 ......973,884 ......120,464 ......779,635 ........67,084 ......526,546 ......9,734,175 ......XXX.......3. 2005......... ....22,414,693 ......3,234,897 ....19,179,797 .10,831,918 ...2,749,589 ......884,637 ......126,590 ......798,369 ........48,887 ......450,052 ......9,589,858 ......XXX.......4. 2006......... ....22,272,831 ......2,749,758 ....19,523,072 ...8,368,394 ...1,013,399 ......783,939 ........76,319 ......888,307 ........27,419 ......467,549 ......8,923,502 ......XXX.......5. 2007......... ....23,594,003 ......3,274,819 ....20,319,184 ...8,814,049 ......834,539 ......817,495 ........60,026 ......961,782 ........21,979 ......548,097 ......9,676,781 ......XXX.......6. 2008......... ....22,617,495 ......2,229,136 ....20,388,358 .10,625,041 ...1,061,933 ......853,659 ........60,495 ...1,099,222 ........16,856 ......538,223 ....11,438,640 ......XXX.......7. 2009......... ....22,252,969 ......1,867,232 ....20,385,738 ...9,475,445 ......601,222 ......767,932 ........40,594 ...1,076,335 ........12,388 ......489,568 ....10,665,508 ......XXX.......8. 2010......... ....22,103,529 ......1,758,482 ....20,345,047 ...9,802,108 ......511,476 ......733,955 ........33,053 ...1,084,983 ..........9,112 ......530,278 ....11,067,405 ......XXX.......9. 2011......... ....22,837,514 ......1,792,457 ....21,045,057 .11,357,493 ......725,177 ......641,504 ........36,243 ...1,105,662 ..........9,532 ......537,072 ....12,333,707 ......XXX.......

10. 2012......... ....23,432,748 ......2,007,973 ....21,424,775 ...9,682,488 ...1,602,005 ......453,060 ........65,703 ...1,102,296 ........15,561 ......490,246 ......9,554,575 ......XXX.......11. 2013......... ....24,029,813 ......2,497,257 ....21,532,556 ...4,510,538 ......193,591 ......178,807 ..........8,003 ......840,157 ........18,207 ......253,414 ......5,309,700 ......XXX.......12. Totals....... .........XXX....... .........XXX....... .........XXX....... .93,957,826 .11,135,920 ...7,371,809 ......654,904 ...9,877,418 ......248,444 ...4,883,882 ....99,167,784 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ...6,973,766 ...2,158,787 ...5,822,878 ......981,924 ......665,981 ......128,309 ...1,044,735 ........74,011 ......695,427 ........(1,477) ........20,989 ....11,861,233 ......XXX.......2. 2004..... ......359,151 ......107,617 ......314,226 ........86,671 ........30,628 ..........4,023 ........62,635 ..........8,757 ........19,528 ...............97 ........12,334 .........579,004 ......XXX.......3. 2005..... ......331,994 ......109,632 ......405,590 ......100,439 ........31,552 ........14,318 ........75,568 ..........7,531 ........16,008 .............411 ........11,461 .........628,381 ......XXX.......4. 2006..... ......424,738 ......119,250 ......574,588 ......105,155 ........37,528 ..........4,402 ........93,414 ..........8,344 ........24,374 .............228 ........12,343 .........917,264 ......XXX.......5. 2007..... ......420,236 ........76,463 ......596,601 ........77,338 ........44,538 ..........2,597 ......125,408 ........10,150 ........23,906 ...............53 ........21,416 ......1,044,086 ......XXX.......6. 2008..... ......586,464 ........77,933 ......732,174 ........66,078 ........66,534 ..........4,507 ......188,620 ........13,425 ........45,980 .............259 ........40,928 ......1,457,570 ......XXX.......7. 2009..... ......762,997 ......125,399 ......895,930 ......115,986 ........84,729 ..........5,562 ......222,279 ........13,522 ........48,353 .............390 ........62,809 ......1,753,430 ......XXX.......8. 2010..... ...1,131,605 ........92,444 ...1,131,147 ........90,427 ......141,194 ..........7,117 ......278,822 ........15,536 ........74,772 .............336 ......108,199 ......2,551,680 ......XXX.......9. 2011..... ...1,632,317 ......115,899 ...1,699,339 ......111,069 ......195,702 ..........8,118 ......428,425 ........15,820 ......118,725 .............373 ......177,199 ......3,823,229 ......XXX.......

10. 2012..... ...2,099,744 ......158,161 ...2,594,109 ......185,120 ......206,135 ..........6,526 ......669,812 ........19,019 ......180,809 ...............(4) ......231,935 ......5,381,786 ......XXX.......11. 2013..... ...2,786,961 ......248,802 ...4,282,342 ......352,676 ......211,699 ..........7,906 ......933,510 ........35,486 ......448,081 ........(2,762) ......358,871 ......8,020,485 ......XXX.......12. Totals... .17,509,971 ...3,390,386 .19,048,924 ...2,272,884 ...1,716,220 ......193,384 ...4,123,228 ......221,602 ...1,695,963 ........(2,096) ...1,058,484 ....38,018,147 ......XXX.......

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... .........XXX........ .........XXX........ .........XXX........ .........XXX........ .........XXX........ .....................0 .....................0 ........XXX......... .......9,655,933 .......2,205,3002. 2004. .....12,339,978 .......2,026,800 .....10,313,178 ................53.3 ................52.5 ................53.5 .....................0 .....................0 ........XXX......... ..........479,089 ............99,9143. 2005. .....13,375,636 .......3,157,397 .....10,218,239 ................59.7 ................97.6 ................53.3 .....................0 .....................0 ........XXX......... ..........527,513 ..........100,8684. 2006. .....11,195,282 .......1,354,516 .......9,840,766 ................50.3 ................49.3 ................50.4 .....................0 .....................0 ........XXX......... ..........774,921 ..........142,3435. 2007. .....11,804,015 .......1,083,148 .....10,720,868 ................50.0 ................33.1 ................52.8 .....................0 .....................0 ........XXX......... ..........863,035 ..........181,0526. 2008. .....14,197,695 .......1,301,486 .....12,896,209 ................62.8 ................58.4 ................63.3 .....................0 .....................0 ........XXX......... .......1,174,627 ..........282,9437. 2009. .....13,334,001 ..........915,063 .....12,418,938 ................59.9 ................49.0 ................60.9 .....................0 .....................0 ........XXX......... .......1,417,542 ..........335,8878. 2010. .....14,378,585 ..........759,501 .....13,619,085 ................65.1 ................43.2 ................66.9 .....................0 .....................0 ........XXX......... .......2,079,882 ..........471,7989. 2011. .....17,179,167 .......1,022,230 .....16,156,936 ................75.2 ................57.0 ................76.8 .....................0 .....................0 ........XXX......... .......3,104,688 ..........718,541

10. 2012. .....16,988,453 .......2,052,092 .....14,936,361 ................72.5 ..............102.2 ................69.7 .....................0 .....................0 ........XXX......... .......4,350,571 .......1,031,21511. 2013. .....14,192,093 ..........861,909 .....13,330,184 ................59.1 ................34.5 ................61.9 .....................0 .....................0 ........XXX......... .......6,467,825 .......1,552,66012. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .....30,895,626 .......7,122,521Note: Parts 2 and 4 are gross of all discounting, including tabular discounting. Part 1 is gross of only nontabular discounting, which is reported in Columns 32 and 33 of Part 1. The tabular discount, if any, is reported in the Notes to Financial Statements which will reconcile Part 1 with Parts 2 and 4.

Page 26: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

34

SCHEDULE P - PART 2 - SUMMARYIncurred Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) DEVELOPMENT

1 2 3 4 5 6 7 8 9 10 11 12Years inWhich

Losses Were One TwoIncurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Year Year

1. Prior..... ...29,577,770 ...31,173,071 ...32,067,260 ...32,364,973 ...32,679,437 ...32,320,610 ...32,017,014 ...32,076,034 ...31,989,561 ...31,956,841 ........(32,720) ......(119,193)

2. 2004..... ...12,412,218 ...11,307,655 ...10,880,698 ...10,615,862 ...10,229,009 ...10,031,558 .....9,866,287 .....9,750,150 .....9,667,207 .....9,612,076 ........(55,131) ......(138,074)

3. 2005..... ........XXX....... ...12,542,451 ...11,516,704 ...11,102,562 ...10,334,498 ...10,020,093 .....9,792,794 .....9,686,779 .....9,586,107 .....9,481,389 ......(104,718) ......(205,391)

4. 2006..... ........XXX....... ........XXX....... ...10,653,674 ...10,274,307 .....9,688,166 .....9,457,852 .....9,298,384 .....9,177,118 .....9,079,685 .....8,991,029 ........(88,655) ......(186,089)

5. 2007..... ........XXX....... ........XXX....... ........XXX....... ...10,934,223 ...10,717,883 ...10,436,138 ...10,393,519 ...10,114,364 .....9,911,874 .....9,790,697 ......(121,177) ......(323,667)

6. 2008..... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ...12,365,766 ...12,524,564 ...12,429,877 ...12,097,467 ...11,906,212 ...11,804,279 ......(101,932) ......(293,187)

7. 2009..... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ...11,629,632 ...11,592,461 ...11,568,683 ...11,466,234 ...11,344,286 ......(121,948) ......(224,397)

8. 2010..... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ...12,313,543 ...12,710,949 ...12,649,233 ...12,509,274 ......(139,959) ......(201,675)

9. 2011..... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ...14,841,076 ...14,995,189 ...14,988,989 ..........(6,201) ........147,913

10. 2012..... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ...13,716,538 ...13,719,105 ............2,567 ........XXX.......

11. 2013..... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ...12,111,064 ........XXX....... ........XXX.......

12. Totals...... ......(769,874) ...(1,543,760)

SCHEDULE P - PART 3 - SUMMARYCumulative Paid Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) 11 12

1 2 3 4 5 6 7 8 9 10 Number ofNumber of Claims

Years in Claims ClosedWhich Closed With Without

Losses Were Loss LossIncurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Payment Payment

1. Prior..... ........000........ .....5,635,383 .....9,556,424 ...12,460,916 ...15,007,801 ...16,391,080 ...17,632,292 ...18,614,589 ...19,469,586 ...20,204,268 ........XXX....... ........XXX.......

2. 2004.... .....3,423,851 .....5,790,863 .....6,927,834 .....7,774,378 .....8,263,816 .....8,572,758 .....8,778,663 .....8,895,350 .....8,968,919 .....9,021,624 ........XXX....... ........XXX.......

3. 2005.... ........XXX....... .....3,525,034 .....6,103,231 .....7,111,941 .....7,809,148 .....8,241,999 .....8,538,108 .....8,675,901 .....8,770,423 .....8,840,376 ........XXX....... ........XXX.......

4. 2006.... ........XXX....... ........XXX....... .....3,384,248 .....5,304,089 .....6,312,006 .....7,012,000 .....7,536,134 .....7,778,469 .....7,952,562 .....8,062,614 ........XXX....... ........XXX.......

5. 2007.... ........XXX....... ........XXX....... ........XXX....... .....3,696,718 .....5,818,234 .....6,976,124 .....7,777,284 .....8,278,489 .....8,566,678 .....8,736,979 ........XXX....... ........XXX.......

6. 2008.... ........XXX....... ........XXX....... ........XXX....... ........XXX....... .....4,663,851 .....7,177,334 .....8,513,429 .....9,381,982 .....9,990,425 ...10,356,273 ........XXX....... ........XXX.......

7. 2009.... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... .....4,409,402 .....6,911,681 .....8,169,217 .....9,024,450 .....9,601,561 ........XXX....... ........XXX.......

8. 2010.... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... .....4,888,905 .....7,597,121 .....9,003,729 .....9,991,534 ........XXX....... ........XXX.......

9. 2011.... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... .....6,692,140 .....9,781,737 ...11,237,577 ........XXX....... ........XXX.......

10. 2012.... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... .....5,514,022 .....8,467,840 ........XXX....... ........XXX.......

11. 2013.... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... ........XXX....... .....4,487,751 ........XXX....... ........XXX.......

SCHEDULE P - PART 4 - SUMMARYBulk and IBNR Reserves on Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted)

1 2 3 4 5 6 7 8 9 10Years inWhich

Losses WereIncurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior......... .......14,764,683 .......12,662,837 .......11,502,922 .......10,592,259 .........9,592,613 .........8,667,582 .........7,705,189 .........7,005,565 .........6,468,937 .........6,109,585

2. 2004........ .........6,525,578 .........3,510,019 .........2,299,150 .........1,628,989 .........1,138,571 ............833,778 ............623,860 ............486,802 ............374,879 ............296,166

3. 2005........ ..........XXX......... .........5,824,229 .........3,576,131 .........2,666,610 .........1,582,816 .........1,131,420 ............785,250 ............658,649 ............516,861 ............392,371

4. 2006........ ..........XXX......... ..........XXX......... .........5,042,244 .........3,278,076 .........2,105,657 .........1,494,677 .........1,109,293 ............864,013 ............708,375 ............576,828

5. 2007........ ..........XXX......... ..........XXX......... ..........XXX......... .........4,794,320 .........3,011,859 .........2,086,362 .........1,601,732 .........1,167,642 ............861,311 ............659,736

6. 2008........ ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... .........5,060,348 .........3,192,449 .........2,300,262 .........1,523,822 .........1,117,996 ............865,103

7. 2009........ ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... .........4,733,697 .........2,749,146 .........1,994,565 .........1,395,320 .........1,017,647

8. 2010........ ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... .........4,664,686 .........2,972,900 .........1,976,944 .........1,334,124

9. 2011........ ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... .........4,977,029 .........2,932,365 .........2,039,618

10. 2012........ ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... .........5,152,020 .........3,102,476

11. 2013........ ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... ..........XXX......... .........4,875,218

Page 27: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

35

SCHEDULE P - PART 1A - HOMEOWNERS/FARMOWNERS($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ..........1,211 .................0 .............873 .................0 .............128 .................0 ...............24 ..............2,212 ......XXX.......2. 2004....... .......2,208,638 ..........102,714 .......2,105,924 ...1,217,518 ......100,031 ........58,725 ..........3,397 ......110,521 ..........1,146 ........17,485 .......1,282,189 ......188,3323. 2005....... .......2,499,233 ..........109,774 .......2,389,459 ...1,284,685 ......210,175 ........47,407 .............792 ......131,884 ...............94 ........21,175 .......1,252,915 ......175,0274. 2006....... .......2,673,537 ..........101,287 .......2,572,250 ...1,033,918 ..........1,128 ........33,934 ...............18 ......155,541 ...............26 ........28,478 .......1,222,220 ......171,2895. 2007....... .......2,905,203 ..........137,630 .......2,767,573 ...1,107,305 ..........1,960 ........40,401 ...............64 ......170,966 ...............12 ........49,829 .......1,316,635 ......155,1426. 2008....... .......3,003,253 ..........104,414 .......2,898,839 ...1,630,079 ..........1,200 ........46,755 ...............30 ......208,172 ...............18 ........34,855 .......1,883,759 ......232,8727. 2009....... .......3,122,402 ............87,278 .......3,035,124 ...1,646,026 ..........4,795 ........49,921 ...............68 ......201,091 ...............15 ........34,970 .......1,892,159 ......236,3078. 2010....... .......3,337,499 ............95,335 .......3,242,163 ...1,834,028 ..........2,202 ........50,552 ...............46 ......229,045 ...............15 ........32,438 .......2,111,361 ......253,8859. 2011....... .......3,524,347 ............87,186 .......3,437,161 ...2,811,014 ..........3,113 ........53,710 ...............61 ......288,975 ...............52 ........32,335 .......3,150,474 ......358,42010. 2012....... .......3,623,839 ..........101,562 .......3,522,277 ...1,966,493 ........30,775 ........41,818 .............312 ......288,800 .................0 ........23,400 .......2,266,025 ......263,92511. 2013....... .......3,693,376 ..........216,806 .......3,476,570 ...1,024,747 .............304 ........21,587 .................4 ......222,204 .................0 ..........8,297 .......1,268,230 ......141,02012. Totals..... .........XXX........ .........XXX........ .........XXX........ .15,557,023 ......355,683 ......445,684 ..........4,791 ...2,007,326 ..........1,379 ......283,287 .....17,648,179 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ..........3,875 .................0 .............189 .............107 ..........1,380 .................0 ...............34 .................0 ..........1,067 .................0 .............114 ..............6,438 .............1782. 2004..... ..........1,058 .................0 .............178 .................1 ...............74 .................0 ...............18 .................0 .............233 .................0 ...............72 ..............1,560 ...............263. 2005..... ..........1,690 .................0 .............608 ...............(0) .............181 .................0 ...............42 .................1 .............466 .................0 ...............95 ..............2,986 ...............694. 2006..... ..........2,422 .................0 .............288 .................0 .............289 .................0 ...............99 .................0 .............433 .................0 .............263 ..............3,531 ...............665. 2007..... ..........5,841 .................0 .............604 .................0 .............388 .................0 .............133 .................0 .............667 .................0 .............543 ..............7,633 .............1126. 2008..... ..........8,061 .................0 ..........1,662 .................0 .............647 .................0 ...............56 .................0 ..........1,032 .................0 ..........1,326 ............11,458 .............1737. 2009..... ........10,266 .................0 ..........3,528 .................0 ..........1,367 .................0 .............675 .................0 ..........1,611 .................0 ..........3,586 ............17,447 .............3238. 2010..... ........24,272 ...............97 ..........7,411 .............(45) ..........3,295 .................6 .............695 ...............(6) ..........3,160 .................0 ..........7,580 ............38,782 .............5979. 2011..... ........49,607 .............312 ........27,955 ...............(6) ..........6,198 .............211 ..........1,622 ...............(8) ..........7,127 .................0 ........19,192 ............91,999 ..........1,334

10. 2012..... ........95,092 .................0 ........64,944 .............575 ..........6,693 .................0 ..........2,164 ...............55 ........13,422 .................0 ........27,413 ..........181,685 ..........2,59511. 2013..... ......200,949 .................0 ......300,086 ..........3,961 ..........8,647 .................0 ........21,035 .............166 ........49,069 .................0 ........31,082 ..........575,659 ..........8,89712. Totals... ......403,132 .............408 ......407,453 ..........4,592 ........29,159 .............218 ........26,572 .............207 ........78,287 .................0 ........91,265 ..........939,178 ........14,370

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..............3,957 ..............2,4812. 2004. .......1,388,324 ..........104,575 .......1,283,749 ................62.9 ..............101.8 ................61.0 .....................0 .....................0 ........XXX......... ..............1,235 .................3253. 2005. .......1,466,962 ..........211,062 .......1,255,900 ................58.7 ..............192.3 ................52.6 .....................0 .....................0 ........XXX......... ..............2,298 .................6884. 2006. .......1,226,924 ..............1,173 .......1,225,751 ................45.9 ..................1.2 ................47.7 .....................0 .....................0 ........XXX......... ..............2,710 .................8225. 2007. .......1,326,305 ..............2,036 .......1,324,269 ................45.7 ..................1.5 ................47.8 .....................0 .....................0 ........XXX......... ..............6,445 ..............1,1886. 2008. .......1,896,464 ..............1,248 .......1,895,216 ................63.1 ..................1.2 ................65.4 .....................0 .....................0 ........XXX......... ..............9,723 ..............1,7357. 2009. .......1,914,484 ..............4,878 .......1,909,606 ................61.3 ..................5.6 ................62.9 .....................0 .....................0 ........XXX......... ............13,794 ..............3,6538. 2010. .......2,152,457 ..............2,314 .......2,150,143 ................64.5 ..................2.4 ................66.3 .....................0 .....................0 ........XXX......... ............31,632 ..............7,1509. 2011. .......3,246,208 ..............3,735 .......3,242,473 ................92.1 ..................4.3 ................94.3 .....................0 .....................0 ........XXX......... ............77,256 ............14,744

10. 2012. .......2,479,426 ............31,716 .......2,447,710 ................68.4 ................31.2 ................69.5 .....................0 .....................0 ........XXX......... ..........159,461 ............22,22411. 2013. .......1,848,323 ..............4,435 .......1,843,889 ................50.0 ..................2.0 ................53.0 .....................0 .....................0 ........XXX......... ..........497,074 ............78,58512. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........805,584 ..........133,594

Page 28: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

36

SCHEDULE P - PART 1B - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ........24,453 ..........9,420 .............871 .................1 .............533 .................2 .............202 ............16,433 ......XXX.......2. 2004....... .......2,036,167 ............25,293 .......2,010,874 ...1,205,300 ........35,399 ........75,797 .............132 ......134,905 ..........2,769 ........34,096 .......1,377,702 ......293,7393. 2005....... .......2,117,009 ............38,627 .......2,078,382 ...1,186,300 ........23,667 ........72,733 .............116 ......162,010 ..........2,907 ........31,102 .......1,394,354 ......288,2524. 2006....... .......2,242,523 ............34,564 .......2,207,959 ...1,262,582 ........22,330 ........75,515 .............123 ......204,314 ..........3,138 ........31,409 .......1,516,821 ......294,5695. 2007....... .......2,324,073 ............34,103 .......2,289,970 ...1,392,496 ........21,101 ........84,425 .............117 ......236,718 ..........2,607 ........33,299 .......1,689,815 ......320,7086. 2008....... .......2,344,748 ............30,356 .......2,314,392 ...1,364,945 ........17,900 ........87,368 .............133 ......244,170 ..........2,098 ........32,388 .......1,676,353 ......320,5727. 2009....... .......2,338,507 ............25,705 .......2,312,802 ...1,377,343 ........14,783 ........80,676 .............136 ......232,497 ..........1,960 ........30,775 .......1,673,636 ......312,7218. 2010....... .......2,358,403 ............22,043 .......2,336,359 ...1,354,572 ..........8,807 ........71,035 .............141 ......224,102 .............635 ........33,469 .......1,640,126 ......294,6359. 2011....... .......2,387,171 ............19,185 .......2,367,986 ...1,315,020 ..........7,905 ........53,645 .............133 ......224,077 .............494 ........34,293 .......1,584,210 ......283,18710. 2012....... .......2,351,001 ............16,675 .......2,334,326 ...1,074,260 ..........7,562 ........31,044 ...............34 ......216,672 .............478 ........28,729 .......1,313,900 ......252,61711. 2013....... .......2,299,901 ..........140,101 .......2,159,800 ......549,985 ..........4,620 ..........9,266 .................6 ......159,409 .............440 ........13,632 ..........713,594 ......198,71612. Totals..... .........XXX........ .........XXX........ .........XXX........ .12,107,255 ......173,493 ......642,374 ..........1,073 ...2,039,408 ........17,529 ......303,393 .....14,596,943 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ......605,534 ......421,710 ........29,324 ........10,418 ..........4,316 .............107 ...............39 .............(11) ..........2,482 .................0 .............277 ..........209,470 ..........1,6032. 2004..... ........10,160 ..........9,650 .............590 .................6 .............154 .................0 .............132 .................0 .............298 .................0 .............168 ..............1,678 .............2303. 2005..... ..........1,783 .................0 .............976 .................0 .............325 .................0 .............147 .................0 .............572 .................0 .............220 ..............3,803 .............4704. 2006..... ........22,599 ........19,509 ..........1,343 ...............48 .............491 .................0 .............609 .................0 .............573 .................0 .............375 ..............6,060 .............4595. 2007..... ..........6,053 .................2 ..........1,897 .............179 ..........1,318 .................0 .............612 .................0 ..........1,124 .................0 .............718 ............10,824 .............9206. 2008..... ........10,871 ...............31 ..........2,924 .............191 ..........2,286 .................0 ..........1,266 .................0 ..........1,936 .................0 ..........1,185 ............19,062 ..........1,5727. 2009..... ........30,094 .............728 ..........6,153 ...............86 ..........4,794 .................0 ..........2,770 .................0 ..........3,366 .................0 ..........2,040 ............46,364 ..........2,6318. 2010..... ........68,890 .................0 ........18,143 ...............75 ..........9,649 .................0 ..........7,902 .................0 ..........6,558 .................0 ..........3,559 ..........111,067 ..........5,0929. 2011..... ......150,641 .................0 ........69,052 .............111 ........16,780 .................0 ..........9,273 .................0 ........12,669 .................0 ..........6,420 ..........258,303 ........10,060

10. 2012..... ......265,663 .................0 ......162,796 ...........(182) ........15,312 .................0 ........27,915 ...............43 ........24,221 .................0 ........11,305 ..........496,046 ........19,79411. 2013..... ......369,611 .................0 ......386,606 ..........4,656 ........11,668 .................0 ........71,684 .............275 ........67,211 ...............(0) ........19,085 ..........901,848 ........56,43112. Totals... ...1,541,899 ......451,629 ......679,803 ........15,588 ........67,094 .............107 ......122,351 .............308 ......121,010 ...............(0) ........45,352 .......2,064,525 ........99,262

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........202,730 ..............6,7412. 2004. .......1,427,336 ............47,957 .......1,379,380 ................70.1 ..............189.6 ................68.6 .....................0 .....................0 ........XXX......... ..............1,094 .................5843. 2005. .......1,424,846 ............26,690 .......1,398,157 ................67.3 ................69.1 ................67.3 .....................0 .....................0 ........XXX......... ..............2,758 ..............1,0444. 2006. .......1,568,027 ............45,147 .......1,522,880 ................69.9 ..............130.6 ................69.0 .....................0 .....................0 ........XXX......... ..............4,386 ..............1,6745. 2007. .......1,724,644 ............24,005 .......1,700,639 ................74.2 ................70.4 ................74.3 .....................0 .....................0 ........XXX......... ..............7,769 ..............3,0556. 2008. .......1,715,767 ............20,352 .......1,695,415 ................73.2 ................67.0 ................73.3 .....................0 .....................0 ........XXX......... ............13,573 ..............5,4887. 2009. .......1,737,693 ............17,693 .......1,720,000 ................74.3 ................68.8 ................74.4 .....................0 .....................0 ........XXX......... ............35,434 ............10,9308. 2010. .......1,760,851 ..............9,657 .......1,751,193 ................74.7 ................43.8 ................75.0 .....................0 .....................0 ........XXX......... ............86,958 ............24,1099. 2011. .......1,851,156 ..............8,644 .......1,842,513 ................77.5 ................45.1 ................77.8 .....................0 .....................0 ........XXX......... ..........219,581 ............38,722

10. 2012. .......1,817,883 ..............7,936 .......1,809,946 ................77.3 ................47.6 ................77.5 .....................0 .....................0 ........XXX......... ..........428,641 ............67,40511. 2013. .......1,625,439 ..............9,997 .......1,615,442 ................70.7 ..................7.1 ................74.8 .....................0 .....................0 ........XXX......... ..........751,560 ..........150,28812. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .......1,754,485 ..........310,040

Page 29: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

37

SCHEDULE P - PART 1C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ..........9,805 ..........2,575 ..........3,306 ..........1,195 ..........3,211 ...............90 ..............(36) ............12,463 ......XXX.......2. 2004....... .......2,046,599 ..........352,487 .......1,694,111 ......982,072 ......167,915 ........88,318 ........19,508 ........79,563 ..........3,332 ..........7,147 ..........959,197 ......129,4813. 2005....... .......2,023,262 ..........283,555 .......1,739,708 ......870,775 ......119,887 ........84,662 ........17,790 ........77,845 ..........2,499 ..........5,834 ..........893,105 ......112,8914. 2006....... .......1,807,568 ..........197,500 .......1,610,068 ......813,523 ......104,584 ........76,296 ........15,821 ........78,363 ..........2,024 ..........8,104 ..........845,754 ......102,6885. 2007....... .......1,865,713 ..........247,271 .......1,618,442 ......866,741 ........82,223 ........86,315 ........15,191 ........86,133 ..........1,557 ..........8,181 ..........940,219 ......107,1296. 2008....... .......1,671,507 ..........122,012 .......1,549,495 ......855,229 ........70,560 ........85,647 ........10,848 ......102,677 ..........1,116 ..........7,861 ..........961,028 ......107,0297. 2009....... .......1,656,355 ............98,538 .......1,557,817 ......798,386 ........50,988 ........70,927 ..........7,554 ........80,245 ..........1,084 ..........7,684 ..........889,931 ........91,0608. 2010....... .......1,599,466 ............76,037 .......1,523,429 ......801,491 ........35,594 ........62,958 ..........4,567 ........84,492 .............985 ..........9,369 ..........907,795 ........94,0239. 2011....... .......1,603,242 ............55,360 .......1,547,882 ......720,788 ........24,924 ........47,655 ..........3,341 ........76,773 ..........1,208 ..........9,620 ..........815,743 ........98,65410. 2012....... .......1,607,526 ............62,081 .......1,545,444 ......472,936 ........19,072 ........21,000 ..........1,287 ........54,296 ..........1,410 ..........8,106 ..........526,463 ........91,74911. 2013....... .......1,573,875 ............68,409 .......1,505,466 ......203,237 ..........7,603 ..........5,338 .............472 ........53,593 ..........1,206 ..........4,833 ..........252,887 ........82,82212. Totals..... .........XXX........ .........XXX........ .........XXX........ ...7,394,983 ......685,925 ......632,423 ........97,573 ......777,192 ........16,512 ........76,703 .......8,004,587 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ......121,187 ........98,164 ........64,811 ..........3,805 ..........4,560 ..........1,998 ........10,012 ..........1,161 ..........1,240 ...............24 ...............51 ............96,657 .............8102. 2004..... ..........3,718 .............933 ........17,355 ..........3,801 .............379 ...............23 ..........1,538 .............252 .............169 .................0 ...............66 ............18,150 ...............663. 2005..... ..........1,926 ..........8,766 ........24,319 ..........7,641 .............383 .............(46) ..........3,518 ..........1,058 ...........(122) .................0 .............104 ............12,604 ...............734. 2006..... ..........5,820 .............615 ........20,232 ..........2,463 .............987 .............256 .............909 .............102 .............(58) ...............16 .............148 ............24,440 .............1535. 2007..... ........15,497 ..........1,703 ........20,554 ..........4,266 ..........1,843 .............370 ..........1,176 .............191 .............124 .................6 .............241 ............32,657 .............2516. 2008..... ........28,208 ..........2,554 ........20,249 .............922 ..........3,460 .............553 ..........1,159 ..........1,138 .............935 .................1 .............343 ............48,842 .............4797. 2009..... ........62,902 ..........4,159 ........36,560 .............444 ..........6,451 .............633 ..........2,543 .............530 ..........2,154 .................2 .............631 ..........104,842 ..........1,0068. 2010..... ......147,041 ........31,271 ........42,697 ..........2,799 ........11,864 ..........1,163 ........12,425 .............(52) ..........4,941 .................5 ..........1,133 ..........183,782 ..........2,3039. 2011..... ......247,509 ........11,573 ......109,025 ..........3,842 ........22,365 ..........1,172 ........22,541 .............493 ........10,369 ...............29 ..........1,733 ..........394,700 ..........4,897

10. 2012..... ......316,142 ..........8,567 ......227,902 ........14,219 ........22,857 .............679 ........42,044 ..........1,497 ........18,355 ...............89 ..........2,515 ..........602,248 ..........8,50011. 2013..... ......311,480 ..........8,735 ......441,158 ........26,070 ........17,355 .............237 ........51,307 ..........3,847 ........55,744 .............275 ..........5,149 ..........837,881 ........24,28312. Totals... ...1,261,430 ......177,041 ...1,024,863 ........70,272 ........92,503 ..........7,039 ......149,173 ........10,217 ........93,851 .............447 ........12,114 .......2,356,803 ........42,821

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............84,029 ............12,6282. 2004. .......1,173,112 ..........195,764 ..........977,347 ................57.3 ................55.5 ................57.7 .....................0 .....................0 ........XXX......... ............16,339 ..............1,8113. 2005. .......1,063,306 ..........157,596 ..........905,710 ................52.6 ................55.6 ................52.1 .....................0 .....................0 ........XXX......... ..............9,838 ..............2,7674. 2006. ..........996,074 ..........125,880 ..........870,194 ................55.1 ................63.7 ................54.0 .....................0 .....................0 ........XXX......... ............22,974 ..............1,4665. 2007. .......1,078,382 ..........105,507 ..........972,876 ................57.8 ................42.7 ................60.1 .....................0 .....................0 ........XXX......... ............30,081 ..............2,5766. 2008. .......1,097,564 ............87,694 .......1,009,870 ................65.7 ................71.9 ................65.2 .....................0 .....................0 ........XXX......... ............44,981 ..............3,8617. 2009. .......1,060,168 ............65,394 ..........994,774 ................64.0 ................66.4 ................63.9 .....................0 .....................0 ........XXX......... ............94,859 ..............9,9838. 2010. .......1,167,909 ............76,332 .......1,091,578 ................73.0 ..............100.4 ................71.7 .....................0 .....................0 ........XXX......... ..........155,667 ............28,1159. 2011. .......1,257,025 ............46,583 .......1,210,443 ................78.4 ................84.1 ................78.2 .....................0 .....................0 ........XXX......... ..........341,118 ............53,581

10. 2012. .......1,175,532 ............46,820 .......1,128,711 ................73.1 ................75.4 ................73.0 .....................0 .....................0 ........XXX......... ..........521,258 ............80,99011. 2013. .......1,139,213 ............48,445 .......1,090,768 ................72.4 ................70.8 ................72.5 .....................0 .....................0 ........XXX......... ..........717,834 ..........120,04712. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .......2,038,980 ..........317,824

Page 30: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

38

SCHEDULE P - PART 1D - WORKERS' COMPENSATION(EXCLUDING EXCESS WORKERS' COMPENSATION)

($000 omitted)Premiums Earned Loss and Loss Expense Payments 12

Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 NumberPremiums Loss Payments Containment Payments Payments of

Were 4 5 6 7 8 9 Salvage Total ClaimsEarned and Direct Direct Direct Direct and Net Paid Reported-

Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct andIncurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed

1. Prior....... .........XXX........ .........XXX........ .........XXX........ ......403,498 ......124,735 ........38,110 ..........4,581 .........(7,539) ..........1,028 ..........4,390 ..........303,725 ......XXX.......2. 2004....... .......3,073,119 ..........928,445 .......2,144,674 ...1,230,037 ......413,653 ......155,043 ........21,677 .......(45,188) ........36,788 ........22,429 ..........867,773 ......183,5543. 2005....... .......3,005,419 ..........968,774 .......2,036,645 ...1,072,046 ......420,258 ......142,427 ........21,470 .........(1,744) ........29,675 ........21,064 ..........741,326 ......153,7444. 2006....... .......2,808,788 ..........821,787 .......1,987,002 ...1,008,264 ......384,047 ......140,081 ........19,028 ..........4,959 ........18,775 ........20,752 ..........731,454 ......130,9075. 2007....... .......3,053,066 ..........804,752 .......2,248,313 ...1,101,641 ......316,268 ......163,255 ........19,048 .......(16,477) ........17,451 ........23,665 ..........895,651 ......122,6486. 2008....... .......2,930,432 ..........520,387 .......2,410,045 ...1,191,696 ......240,935 ......183,054 ........19,556 .............615 ........11,876 ........29,910 .......1,102,998 ......120,5307. 2009....... .......2,832,673 ..........342,726 .......2,489,947 ...1,147,497 ......189,714 ......184,532 ........17,851 ........20,391 ..........8,076 ........24,353 .......1,136,780 ......113,3578. 2010....... .......2,801,385 ..........280,117 .......2,521,268 ...1,147,204 ......146,865 ......194,847 ........13,806 .........(8,127) ..........7,731 ........17,678 .......1,165,522 ......122,5439. 2011....... .......3,203,509 ..........273,927 .......2,929,582 ...1,153,215 ......117,698 ......203,844 ........11,058 .......(32,696) ..........8,770 ........15,290 .......1,186,837 ......139,53110. 2012....... .......3,622,764 ..........366,271 .......3,256,493 ......940,653 ......119,986 ......175,006 ..........8,366 .......(35,507) ........14,525 ..........5,579 ..........937,275 ......143,05911. 2013....... .......4,089,164 ..........489,218 .......3,599,946 ......464,117 ........67,415 ........89,801 ..........3,246 .......(41,225) ........16,210 .............795 ..........425,821 ......125,52912. Totals..... .........XXX........ .........XXX........ .........XXX........ .10,859,868 ...2,541,576 ...1,669,999 ......159,688 .....(162,538) ......170,904 ......185,904 .......9,495,162 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ...4,593,133 ...1,188,429 ...2,145,520 ......623,427 ......232,870 ........20,465 ......213,202 ........13,438 ........60,807 ........(2,386) ..........3,547 .......5,402,158 ........24,8632. 2004..... ......297,764 ........84,221 ......154,274 ........48,258 ........17,137 ..........2,738 ........29,150 ..........5,143 ..........3,225 .............(43) ..........1,050 ..........361,232 ..........1,4403. 2005..... ......259,046 ........81,067 ......265,384 ........80,202 ........16,328 ..........2,816 ........33,399 ..........5,987 ..........3,454 .............138 ..........1,212 ..........407,401 ..........1,8774. 2006..... ......280,216 ........75,881 ......270,110 ........71,241 ........17,268 ..........1,302 ........28,344 ..........1,928 ..........3,504 ...........(190) ..........2,150 ..........449,279 ..........1,4295. 2007..... ......257,583 ........46,659 ......287,785 ........50,110 ........19,459 ..........1,260 ........37,373 .............999 ..........4,052 ...........(206) ..........3,836 ..........507,430 ..........1,8146. 2008..... ......284,202 ........33,738 ......300,841 ........25,824 ........22,604 ..........1,318 ........44,801 .............206 ..........4,733 ...........(202) ..........7,528 ..........596,296 ..........2,3207. 2009..... ......292,179 ........43,002 ......406,098 ........45,429 ........26,220 ..........1,909 ........41,142 ..........1,359 ..........5,985 ...........(185) ........14,180 ..........680,111 ..........3,3718. 2010..... ......393,645 ........36,233 ......482,688 ........18,801 ........33,115 ..........1,978 ........50,663 .............401 ..........8,323 ...........(199) ........23,571 ..........911,219 ..........4,8389. 2011..... ......467,391 ........42,318 ......631,562 ........38,046 ........45,280 ..........2,369 ........85,242 ..........1,621 ........14,255 ...........(324) ........34,916 .......1,159,699 ..........8,115

10. 2012..... ......569,578 ........70,246 ......872,334 ........67,937 ........64,092 ..........3,469 ......148,940 ..........1,099 ........28,148 ...........(972) ........44,788 .......1,541,313 ........14,08611. 2013..... ......638,254 ........93,531 ...1,431,341 ......185,954 ........98,051 ..........4,848 ......275,963 ..........8,861 ........97,516 ........(4,171) ........52,889 .......2,252,104 ........45,75612. Totals... ...8,332,991 ...1,795,326 ...7,247,937 ...1,255,229 ......592,422 ........44,471 ......988,218 ........41,042 ......234,001 ........(8,739) ......189,667 .....14,268,241 ......109,909

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .......4,926,797 ..........475,3612. 2004. .......1,841,442 ..........612,437 .......1,229,005 ................59.9 ................66.0 ................57.3 .....................0 .....................0 ........XXX......... ..........319,559 ............41,6733. 2005. .......1,790,340 ..........641,613 .......1,148,727 ................59.6 ................66.2 ................56.4 .....................0 .....................0 ........XXX......... ..........363,160 ............44,2414. 2006. .......1,752,746 ..........572,013 .......1,180,733 ................62.4 ................69.6 ................59.4 .....................0 .....................0 ........XXX......... ..........403,203 ............46,0755. 2007. .......1,854,670 ..........451,589 .......1,403,081 ................60.7 ................56.1 ................62.4 .....................0 .....................0 ........XXX......... ..........448,599 ............58,8316. 2008. .......2,032,545 ..........333,251 .......1,699,294 ................69.4 ................64.0 ................70.5 .....................0 .....................0 ........XXX......... ..........525,481 ............70,8157. 2009. .......2,124,044 ..........307,154 .......1,816,890 ................75.0 ................89.6 ................73.0 .....................0 .....................0 ........XXX......... ..........609,847 ............70,2638. 2010. .......2,302,356 ..........225,616 .......2,076,741 ................82.2 ................80.5 ................82.4 .....................0 .....................0 ........XXX......... ..........821,298 ............89,9219. 2011. .......2,568,093 ..........221,557 .......2,346,536 ................80.2 ................80.9 ................80.1 .....................0 .....................0 ........XXX......... .......1,018,588 ..........141,110

10. 2012. .......2,763,245 ..........284,656 .......2,478,589 ................76.3 ................77.7 ................76.1 .....................0 .....................0 ........XXX......... .......1,303,729 ..........237,58411. 2013. .......3,053,818 ..........375,893 .......2,677,925 ................74.7 ................76.8 ................74.4 .....................0 .....................0 ........XXX......... .......1,790,111 ..........461,99312. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .....12,530,373 .......1,737,868

Page 31: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

39

SCHEDULE P - PART 1E - COMMERCIAL MULTIPLE PERIL($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ........23,717 ..........1,755 ........30,180 .............132 ........14,599 .................4 .............303 ............66,605 ......XXX.......2. 2004....... .......3,148,514 ..........235,110 .......2,913,404 ...1,067,021 ........42,219 ......152,197 ..........2,862 ........80,690 .............717 ........54,968 .......1,254,111 ........94,8333. 2005....... .......3,008,519 ..........214,933 .......2,793,585 ...1,836,348 ......459,640 ......173,536 ..........5,438 ........88,790 .............759 ........43,820 .......1,632,838 ........98,3704. 2006....... .......3,166,756 ..........214,426 .......2,952,330 ......959,055 ........34,932 ......164,714 ..........2,626 ........86,223 .............100 ........44,627 .......1,172,334 ........96,7745. 2007....... .......3,225,294 ..........254,296 .......2,970,998 ...1,107,483 ........45,533 ......168,465 ..........1,921 ........90,902 ............(558) ........50,227 .......1,319,954 ........91,3516. 2008....... .......3,089,614 ..........231,388 .......2,858,226 ...1,382,063 ........78,274 ......169,266 ..........2,372 ......103,605 .................3 ........59,289 .......1,574,285 ......100,5557. 2009....... .......2,983,615 ..........229,565 .......2,754,050 ...1,184,380 ........46,517 ......155,755 ..........1,411 ........96,079 .................0 ........41,588 .......1,388,284 ........95,9178. 2010....... .......3,032,313 ..........222,560 .......2,809,752 ...1,380,576 ........55,333 ......173,900 ..........1,975 ........90,431 .................1 ........41,298 .......1,587,598 ......103,0469. 2011....... .......3,191,582 ..........216,096 .......2,975,486 ...1,760,134 ......177,982 ......130,873 ..........3,025 ......106,931 ................(9) ........36,788 .......1,816,940 ......115,04010. 2012....... .......3,204,374 ..........209,992 .......2,994,382 ...1,180,757 ........53,229 ........63,269 ..........1,564 ......104,375 ..............(10) ........25,958 .......1,293,617 ........95,82311. 2013....... .......3,192,689 ..........210,867 .......2,981,822 ......631,337 ........48,197 ........22,352 ..........1,342 ........82,920 ................(9) ..........8,851 ..........687,079 ........66,27512. Totals..... .........XXX........ .........XXX........ .........XXX........ .12,512,871 ...1,043,612 ...1,404,507 ........24,668 ......945,546 .............998 ......407,717 .....13,793,645 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ........37,133 ..........4,398 ......186,218 ........11,989 ........40,439 ..........3,326 ......107,115 ..........4,146 ........81,964 ...............23 ..........1,391 ..........428,988 ......140,2692. 2004..... ..........5,539 .................3 ........17,485 .............185 ..........2,877 ...............(0) ..........7,960 .............490 ..........1,117 .................3 ..........1,035 ............34,297 .............2913. 2005..... ..........7,977 .............139 ........18,073 .............(53) ..........4,149 .............427 ..........8,150 .............147 ..........1,353 .................1 ..........1,404 ............39,041 .............3614. 2006..... ........18,830 ..........1,195 ........32,480 .............330 ..........4,281 ..........1,947 ........10,070 .............196 ..........2,671 .................0 ..........1,218 ............64,665 .............9495. 2007..... ........18,905 .................0 ........46,671 ..........1,639 ..........6,546 .................0 ........23,777 ...............30 ..........2,741 .................0 ..........3,464 ............96,971 .............8046. 2008..... ........49,634 .................1 ........46,839 .............331 ........13,174 ...............20 ........22,308 ...............80 ..........3,103 .................0 ..........7,274 ..........134,625 .............9837. 2009..... ........69,097 ...........(360) ........50,081 ..........2,423 ........16,206 .............505 ........15,347 .............347 ..........4,965 .................0 ........11,377 ..........152,782 ..........1,3618. 2010..... ......170,320 ..........2,277 ........60,078 ..........2,864 ........38,530 ..........1,523 ........15,617 ...........(795) ........10,875 ...............(0) ........23,381 ..........289,551 ..........2,8309. 2011..... ......257,548 ........10,410 ......116,003 ..........4,147 ........50,183 ..........1,902 ........50,768 .............428 ........17,012 ...............(1) ........42,772 ..........474,627 ..........4,383

10. 2012..... ......293,063 ........13,963 ......244,379 ..........6,330 ........42,741 .............886 ........71,989 ...............69 ........21,370 .................4 ........49,118 ..........652,291 ..........5,52011. 2013..... ......455,522 ........55,492 ......392,103 ........17,396 ........28,653 .............899 ......151,603 .............223 ........40,093 ...............16 ........55,602 ..........993,948 ........10,72812. Totals... ...1,383,568 ........87,517 ...1,210,410 ........47,580 ......247,779 ........11,435 ......484,704 ..........5,360 ......187,263 ...............47 ......198,037 .......3,361,785 ......168,479

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........206,965 ..........222,0232. 2004. .......1,334,886 ............46,479 .......1,288,407 ................42.4 ................19.8 ................44.2 .....................0 .....................0 ........XXX......... ............22,836 ............11,4613. 2005. .......2,138,375 ..........466,496 .......1,671,878 ................71.1 ..............217.0 ................59.8 .....................0 .....................0 ........XXX......... ............25,963 ............13,0774. 2006. .......1,278,325 ............41,326 .......1,236,999 ................40.4 ................19.3 ................41.9 .....................0 .....................0 ........XXX......... ............49,786 ............14,8795. 2007. .......1,465,490 ............48,565 .......1,416,925 ................45.4 ................19.1 ................47.7 .....................0 .....................0 ........XXX......... ............63,938 ............33,0346. 2008. .......1,789,992 ............81,082 .......1,708,911 ................57.9 ................35.0 ................59.8 .....................0 .....................0 ........XXX......... ............96,142 ............38,4837. 2009. .......1,591,908 ............50,843 .......1,541,066 ................53.4 ................22.1 ................56.0 .....................0 .....................0 ........XXX......... ..........117,115 ............35,6668. 2010. .......1,940,328 ............63,178 .......1,877,149 ................64.0 ................28.4 ................66.8 .....................0 .....................0 ........XXX......... ..........225,257 ............64,2949. 2011. .......2,489,452 ..........197,884 .......2,291,568 ................78.0 ................91.6 ................77.0 .....................0 .....................0 ........XXX......... ..........358,994 ..........115,634

10. 2012. .......2,021,943 ............76,035 .......1,945,908 ................63.1 ................36.2 ................65.0 .....................0 .....................0 ........XXX......... ..........517,149 ..........135,14211. 2013. .......1,804,584 ..........123,557 .......1,681,027 ................56.5 ................58.6 ................56.4 .....................0 .....................0 ........XXX......... ..........774,737 ..........219,21112. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .......2,458,881 ..........902,904

Page 32: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

40

SCHEDULE P - PART 1F - SECTION 1 - MEDICAL PROFESSIONAL LIABILITY - OCCURRENCE($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ..........6,544 ...............16 .............592 .................8 .............181 .................0 .................0 ..............7,294 ......XXX.......2. 2004....... ..........(39,122) ..............1,856 ..........(40,978) .............555 ..........1,837 .............297 .............227 ..........3,907 ................(3) .................0 ..............2,698 ...............103. 2005....... ..............1,241 ..............1,098 .................143 ...............72 .............246 ...............22 .............144 .............693 ................(4) .................0 .................401 .................54. 2006....... ..............1,217 ...............(119) ..............1,336 ...............26 .................0 ...............11 .................0 .............608 ................(4) .................0 .................649 .................25. 2007....... .................(16) ...................10 .................(26) .................4 .................0 .................1 .................0 .............663 ................(4) .................0 .................673 .................16. 2008....... .................(27) ...................18 .................(45) .................0 .................0 .................0 .................0 ...............46 .................0 .................0 ...................46 .................07. 2009....... .....................2 ...................15 .................(13) .................0 .................0 .................0 .................0 ...............76 .................0 .................0 ...................76 .................08. 2010....... .....................0 ...................12 .................(12) .................0 .................0 .................0 .................0 .............155 .................0 .................0 .................155 .................19. 2011....... ...................(0) ...................13 .................(13) .................0 .................0 .................0 .................0 ..............(24) .................0 .................0 .................(24) .................010. 2012....... .....................0 .....................2 ...................(2) .................0 .................0 .................0 .................0 ...............49 .................0 .................0 ...................49 .................011. 2013....... .....................0 .....................1 ...................(1) .................0 .................0 .................0 .................0 .................8 .................0 .................0 .....................8 .................012. Totals..... .........XXX........ .........XXX........ .........XXX........ ..........7,201 ..........2,099 .............924 .............379 ..........6,363 ..............(15) .................0 ............12,025 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ..........9,386 .............133 ..........6,752 ..........1,501 ..........1,517 ...............64 ..........1,881 .............270 .............531 .................0 .................0 ............18,098 ...............442. 2004..... .................0 .................0 .............510 .............135 .................0 .................0 .............229 ...............38 .............147 .................0 .................0 .................711 .................03. 2005..... .................0 .................0 .............483 .............274 .................0 .................0 ...............73 ...............35 .............147 .................0 .................0 .................394 .................04. 2006..... ...............19 .................0 .................5 .................0 .................1 .................0 .................0 .................0 .............147 .................0 .................0 .................173 .................05. 2007..... .................4 .................0 .................2 .................0 .................0 .................0 .................0 .................0 .............147 .................0 .................0 .................153 .................06. 2008..... .................0 .................0 .................0 .................2 .................0 .................0 .................0 .................0 .............147 .................0 .................0 .................145 .................07. 2009..... .................0 .................0 .................0 .................3 .................0 .................0 .................0 .................0 .............147 .................0 .................0 .................144 .................08. 2010..... .................0 .................0 .................0 .................7 .................0 .................0 .................0 .................1 .............147 .................0 .................0 .................139 .................09. 2011..... .................0 .................0 .................0 .................9 .................0 .................0 .................0 .................1 .............147 .................0 .................0 .................137 .................0

10. 2012..... .................0 .................0 .................0 .................3 .................0 .................0 .................0 .................0 .............147 .................0 .................0 .................144 .................011. 2013..... .................0 .................0 .................0 .................2 .................0 .................0 .................0 .................0 .............147 .................0 .................0 .................145 .................012. Totals... ..........9,409 .............133 ..........7,751 ..........1,934 ..........1,519 ...............64 ..........2,183 .............345 ..........1,998 .................0 .................0 ............20,383 ...............44

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............14,504 ..............3,5942. 2004. ..............5,644 ..............2,235 ..............3,410 ...............(14.4) ..............120.4 .................(8.3) .....................0 .....................0 ........XXX......... .................374 .................3373. 2005. ..............1,490 .................695 .................795 ..............120.1 ................63.3 ..............556.3 .....................0 .....................0 ........XXX......... .................210 .................1854. 2006. .................817 ....................(4) .................822 ................67.2 ..................3.5 ................61.5 .....................0 .....................0 ........XXX......... ...................24 .................1485. 2007. .................822 ....................(4) .................826 ..........(5,094.1) ...............(42.7) ..........(3,192.5) .....................0 .....................0 ........XXX......... .....................5 .................1476. 2008. .................193 .....................2 .................191 .............(703.5) ................10.4 .............(424.1) .....................0 .....................0 ........XXX......... ....................(2) .................1477. 2009. .................223 .....................3 .................220 .........11,989.7 ................19.3 ..........(1,712.5) .....................0 .....................0 ........XXX......... ....................(3) .................1478. 2010. .................302 .....................7 .................295 ....1,911,779.1 ................60.0 ..........(2,430.5) .....................0 .....................0 ........XXX......... ....................(7) .................1469. 2011. .................123 ...................10 .................113 ......(123,245.0) ................74.5 .............(877.4) .....................0 .....................0 ........XXX......... ....................(9) .................146

10. 2012. .................196 .....................3 .................193 .......104,684.7 ..............133.0 ........(10,224.8) .....................0 .....................0 ........XXX......... ....................(3) .................14711. 2013. .................154 .....................2 .................152 ..................0.0 ..............137.1 ........(10,903.2) .....................0 .....................0 ........XXX......... ....................(2) .................14712. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............15,093 ..............5,290

Page 33: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

41

SCHEDULE P - PART 1F - SECTION 2 - MEDICAL PROFESSIONAL LIABILITY - CLAIMS-MADE($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ..........7,688 .............904 ..........1,263 ...............35 .............133 .................1 .................0 ..............8,144 ......XXX.......2. 2004....... ............73,325 ............19,742 ............53,584 ..........6,874 ..........3,615 ..........4,638 ..........2,260 ..........1,150 .............313 .................0 ..............6,475 .............3703. 2005....... ............14,318 ............10,622 ..............3,696 ..........4,031 ..........2,514 ..........2,695 ..........1,398 .............331 .............350 .................0 ..............2,795 .............2314. 2006....... .................457 ...............(183) .................640 ............(166) .................0 .............211 .................0 .............316 .................0 .................0 .................361 .................05. 2007....... .................255 ...............(122) .................377 .................0 .................0 .................0 .................0 .............399 .................0 .................0 .................399 .................06. 2008....... .................350 ...................(0) .................350 ..........1,275 .................0 .............697 .................0 .............365 ................(0) .................0 ..............2,337 .................17. 2009....... .................320 ...................18 .................302 .................0 .................0 .................0 .................0 ...............92 .................0 .................0 ...................92 .................08. 2010....... ...................17 .....................3 ...................14 .............132 .................0 .................6 .................0 ...............94 .................0 .................0 .................232 .................59. 2011....... .....................4 .....................6 ...................(2) .................0 .................0 .................0 .................0 ..............(41) .................0 .................0 .................(41) .................110. 2012....... .....................1 ...................11 .................(10) .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 .................211. 2013....... ...................(0) ...................11 .................(11) .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 .................012. Totals..... .........XXX........ .........XXX........ .........XXX........ ........19,834 ..........7,032 ..........9,512 ..........3,692 ..........2,838 .............664 .................0 ............20,795 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ........41,307 ..........2,761 ........24,713 .............996 ..........1,328 .............224 ..........6,113 .............882 .............404 .................0 .................0 ............69,003 ...............572. 2004..... .................0 .................0 .............850 ...............90 .................0 .................0 .............226 ...............16 .............229 .................0 .................0 ..............1,199 .................03. 2005..... .................0 .................0 .............621 ...............37 .................0 .................0 .............190 ...............38 .............234 .................0 .................0 .................971 .................14. 2006..... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .............229 .................0 .................0 .................229 .................05. 2007..... .................0 .................0 .................1 .................0 .................0 .................0 .................0 .................0 .............229 .................0 .................0 .................231 .................06. 2008..... .............250 .................0 ...............62 .................0 .................0 .................0 ...............27 .................0 .............229 .................0 .................0 .................568 .................07. 2009..... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .............229 .................0 .................0 .................229 .................08. 2010..... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .............229 .................0 .................0 .................229 .................09. 2011..... .................0 .................0 .............200 .................0 .................0 .................0 ...............25 .................0 .............229 .................0 .................0 .................454 .................0

10. 2012..... .................0 .................0 ...............15 .................3 ...............50 .................0 .................5 .................0 .............229 .................0 .................0 .................296 .................111. 2013..... .................0 .................0 .................0 .................3 .................0 .................0 .................0 .................0 .............229 .................0 .................0 .................226 .................012. Totals... ........41,557 ..........2,761 ........26,463 ..........1,128 ..........1,378 .............224 ..........6,587 .............937 ..........2,703 .................0 .................0 ............73,638 ...............59

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............62,263 ..............6,7402. 2004. ............13,968 ..............6,293 ..............7,675 ................19.0 ................31.9 ................14.3 .....................0 .....................0 ........XXX......... .................760 .................4393. 2005. ..............8,102 ..............4,336 ..............3,766 ................56.6 ................40.8 ..............101.9 .....................0 .....................0 ........XXX......... .................585 .................3864. 2006. .................590 .....................0 .................590 ..............129.2 ..................0.0 ................92.3 .....................0 .....................0 ........XXX......... .....................0 .................2295. 2007. .................630 .....................0 .................630 ..............247.6 ..................0.0 ..............167.3 .....................0 .....................0 ........XXX......... .....................1 .................2306. 2008. ..............2,905 ....................(0) ..............2,905 ..............830.3 ................12.3 ..............830.0 .....................0 .....................0 ........XXX......... .................312 .................2567. 2009. .................321 .....................0 .................321 ..............100.4 ..................0.2 ..............106.5 .....................0 .....................0 ........XXX......... .....................0 .................2298. 2010. .................462 .....................0 .................462 ...........2,709.7 ..................0.0 ...........3,287.2 .....................0 .....................0 ........XXX......... .....................0 .................2299. 2011. .................413 .....................0 .................413 .........11,410.4 ..................0.0 ........(17,221.2) .....................0 .....................0 ........XXX......... .................200 .................254

10. 2012. .................299 .....................3 .................296 .........36,133.7 ................28.4 ..........(3,025.8) .....................0 .....................0 ........XXX......... ...................12 .................28411. 2013. .................229 .....................3 .................226 ......(434,367.8) ................30.6 ..........(2,026.3) .....................0 .....................0 ........XXX......... ....................(3) .................22912. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............64,130 ..............9,507

Page 34: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

42

SCHEDULE P - PART 1G - SPECIAL LIABILITY(OCEAN MARINE, AIRCRAFT (ALL PERILS), BOILER AND MACHINERY)

($000 omitted)Premiums Earned Loss and Loss Expense Payments 12

Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 NumberPremiums Loss Payments Containment Payments Payments of

Were 4 5 6 7 8 9 Salvage Total ClaimsEarned and Direct Direct Direct Direct and Net Paid Reported-

Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct andIncurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed

1. Prior....... .........XXX........ .........XXX........ .........XXX........ ..........2,473 ............(442) .............659 .............239 .............321 .................0 ..........1,536 ..............3,656 ......XXX.......2. 2004....... ..........514,059 ..........104,135 ..........409,924 ......212,098 ........51,804 ........11,575 ..........3,302 ........19,685 .............150 ........10,815 ..........188,101 ......XXX.......3. 2005....... ..........508,401 ............69,187 ..........439,213 ......252,356 ........79,817 ........14,160 ..........2,194 ........14,099 .............123 ........15,620 ..........198,480 ......XXX.......4. 2006....... ..........502,041 ............33,456 ..........468,584 ......178,640 ..........7,093 ........16,492 .............391 ........14,517 .............144 ........13,631 ..........202,022 ......XXX.......5. 2007....... ..........516,057 ............36,904 ..........479,153 ......145,030 ..........5,408 ........15,246 ...............78 ........12,092 ..............(45) ........12,426 ..........166,926 ......XXX.......6. 2008....... ..........504,138 ............38,918 ..........465,220 ......177,081 ........12,985 ........18,381 .............167 ........13,766 .................2 ..........9,637 ..........196,075 ......XXX.......7. 2009....... ..........499,167 ............35,428 ..........463,739 ......149,563 ........15,118 ........11,793 .............115 ........13,295 .................2 ..........7,568 ..........159,416 ......XXX.......8. 2010....... ..........481,986 ............28,226 ..........453,760 ......170,278 .............817 ........13,014 ...............14 ........14,073 .................4 ..........9,497 ..........196,531 ......XXX.......9. 2011....... ..........485,076 ............23,741 ..........461,335 ......203,229 ........10,672 ........10,253 .............108 ........13,587 .................0 ..........8,298 ..........216,288 ......XXX.......10. 2012....... ..........486,231 ............29,799 ..........456,432 ......265,249 ........40,749 ..........8,851 .............859 ........17,045 .................0 ..........8,118 ..........249,536 ......XXX.......11. 2013....... ..........484,895 ............25,125 ..........459,770 ........78,869 .............482 ..........3,710 .................5 ..........9,571 .................0 .............990 ............91,663 ......XXX.......12. Totals..... .........XXX........ .........XXX........ .........XXX........ ...1,834,865 ......224,504 ......124,133 ..........7,472 ......142,052 .............379 ........98,136 .......1,868,694 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ........39,291 ........30,041 ........86,181 ........38,563 ........10,850 ..........9,662 ..........8,114 ..........3,269 ..........1,517 ...............30 .............376 ............64,389 .............1742. 2004..... ...............13 .............374 ..........1,854 .............113 .................2 ...............15 .............357 .................6 ...............89 .................0 .............122 ..............1,806 .................73. 2005..... .............289 .............203 ..........2,353 ...............47 .............454 ...............68 .............136 ...............55 ...............65 .................0 .............151 ..............2,924 .................84. 2006..... ..........2,264 ...............17 ..........1,732 .............115 .............134 .................0 .............285 ...............15 ...............97 .................0 .............226 ..............4,365 ...............155. 2007..... ..........1,162 ...............96 ..........1,511 ...............94 .............129 .................0 .............(37) .................2 .............172 .................0 .............635 ..............2,745 ...............316. 2008..... ..........8,084 ..........2,273 ..........2,244 .............684 ..........1,648 ...............11 ...........(175) ...............98 .............581 .................0 ..........1,454 ..............9,316 .............1177. 2009..... ..........6,095 .................9 ..........1,396 ...............(2) .............891 .................0 .............394 ...............40 .............356 .................0 ..........2,923 ..............9,085 ...............678. 2010..... ..........9,833 .............158 ..........4,539 .............232 ..........2,048 .................1 ...............11 .............106 .............940 .................0 ..........4,906 ............16,874 .............1209. 2011..... ........14,147 ..........3,077 ..........7,000 ..........1,648 ..........2,922 .............249 ..........1,291 .............(58) ..........1,320 .................0 ..........6,847 ............21,764 .............258

10. 2012..... ........35,793 ..........7,557 ........38,927 ........14,337 ..........3,301 .............343 ..........3,592 .............530 ..........3,720 .................0 ........12,170 ............62,565 .............78311. 2013..... ........48,337 .............514 ........51,290 ..........3,412 ..........2,843 .................5 ..........9,127 .............337 ........10,054 .................0 ........12,473 ..........117,382 ..........1,76012. Totals... ......165,308 ........44,320 ......199,025 ........59,241 ........25,224 ........10,354 ........23,095 ..........4,400 ........18,910 ...............30 ........42,281 ..........313,215 ..........3,340

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............56,868 ..............7,5212. 2004. ..........245,673 ............55,765 ..........189,908 ................47.8 ................53.6 ................46.3 .....................0 .....................0 ........XXX......... ..............1,379 .................4273. 2005. ..........283,912 ............82,508 ..........201,404 ................55.8 ..............119.3 ................45.9 .....................0 .....................0 ........XXX......... ..............2,392 .................5324. 2006. ..........214,162 ..............7,774 ..........206,388 ................42.7 ................23.2 ................44.0 .....................0 .....................0 ........XXX......... ..............3,865 .................5005. 2007. ..........175,304 ..............5,633 ..........169,671 ................34.0 ................15.3 ................35.4 .....................0 .....................0 ........XXX......... ..............2,483 .................2616. 2008. ..........221,610 ............16,220 ..........205,390 ................44.0 ................41.7 ................44.1 .....................0 .....................0 ........XXX......... ..............7,371 ..............1,9457. 2009. ..........183,783 ............15,282 ..........168,501 ................36.8 ................43.1 ................36.3 .....................0 .....................0 ........XXX......... ..............7,484 ..............1,6018. 2010. ..........214,737 ..............1,332 ..........213,405 ................44.6 ..................4.7 ................47.0 .....................0 .....................0 ........XXX......... ............13,983 ..............2,8919. 2011. ..........253,748 ............15,696 ..........238,052 ................52.3 ................66.1 ................51.6 .....................0 .....................0 ........XXX......... ............16,421 ..............5,343

10. 2012. ..........376,477 ............64,375 ..........312,102 ................77.4 ..............216.0 ................68.4 .....................0 .....................0 ........XXX......... ............52,826 ..............9,74011. 2013. ..........213,800 ..............4,755 ..........209,045 ................44.1 ................18.9 ................45.5 .....................0 .....................0 ........XXX......... ............95,700 ............21,68212. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........260,771 ............52,444

Page 35: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

43

SCHEDULE P - PART 1H - SECTION 1 - OTHER LIABILITY - OCCURRENCE($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ......129,370 ........57,313 ......123,821 ........14,897 ........95,952 .............148 ...............78 ..........276,786 ......XXX.......2. 2004....... .......2,051,442 ..........335,303 .......1,716,139 ......643,126 ........98,097 ......162,543 ........28,933 ........84,536 ..........6,435 ..........2,479 ..........756,740 ........49,3823. 2005....... .......2,192,309 ..........408,839 .......1,783,470 ......532,375 ......106,885 ......155,334 ........37,195 ........75,108 ..........2,365 ..........1,578 ..........616,372 ........29,4424. 2006....... .......2,235,098 ..........392,722 .......1,842,376 ......548,702 ........94,019 ......117,192 ........18,083 ........70,905 ...............86 ..........1,842 ..........624,612 ........23,2355. 2007....... .......2,274,733 ..........459,373 .......1,815,360 ......596,424 ........91,296 ......118,561 ........12,624 ........65,713 ............(293) .............692 ..........677,072 ........21,0136. 2008....... .......2,103,660 ..........247,144 .......1,856,516 ......623,700 ........90,813 ......114,675 ..........8,735 ........88,747 ...............11 .............376 ..........727,564 ........21,6037. 2009....... .......1,981,642 ..........181,326 .......1,800,316 ......423,198 ........18,028 ........81,930 ..........2,388 ........72,403 ...............47 .............305 ..........557,067 ........20,5538. 2010....... .......1,814,125 ..........136,017 .......1,678,109 ......412,345 ........26,589 ........61,849 ..........2,694 ........96,729 .............102 .............736 ..........541,537 ........22,0879. 2011....... .......1,814,862 ..........143,294 .......1,671,568 ......323,953 ........20,564 ........44,909 ..........1,406 ........81,739 ..............(13) .............507 ..........428,643 ........22,62410. 2012....... .......1,829,138 ..........157,167 .......1,671,970 ......149,574 ........11,520 ........14,718 .............547 ........69,758 .................4 .............260 ..........221,979 ........17,98811. 2013....... .......1,862,437 ..........161,020 .......1,701,417 ........35,467 .............181 ..........3,391 ...............61 ........57,627 ...............17 ...............87 ............96,226 ........14,37612. Totals..... .........XXX........ .........XXX........ .........XXX........ ...4,418,234 ......615,303 ......998,922 ......127,562 ......859,216 ..........8,910 ..........8,941 .......5,524,597 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ......565,906 ......242,847 ...1,697,924 ......154,288 ......165,148 ........38,896 ......336,685 ........35,682 ......379,693 .............232 .............144 .......2,673,411 ......740,4782. 2004..... ........14,152 ..........5,786 ........46,882 ..........9,358 ..........2,066 .............446 ........12,299 .............677 ..........7,035 .................3 ...............63 ............66,164 ..........1,1863. 2005..... ........34,244 ........17,332 ........51,632 ..........8,797 ..........4,357 ........10,920 ........15,291 .............(51) ..........3,453 .................1 ...............74 ............71,978 .............3794. 2006..... ........17,493 ..........3,642 ......128,024 ........19,206 ..........5,341 .............191 ........20,102 ..........3,886 ..........3,272 .................1 .............118 ..........147,306 ..........1,2205. 2007..... ........24,048 ..........1,261 ......150,367 ........14,117 ..........6,469 .............545 ........20,702 ..........4,129 ..........4,440 .................2 .............163 ..........185,972 .............3696. 2008..... ........82,806 ..........7,066 ......172,685 ........18,968 ........10,768 .............849 ........23,239 ..........1,317 ........18,150 .................3 .............198 ..........279,444 ..........1,0627. 2009..... ........92,836 ..........7,836 ......192,273 ........40,184 ........12,648 .............367 ........34,533 ..........4,288 ........10,980 .................3 .............214 ..........290,592 ..........1,0138. 2010..... ......149,019 ..........5,979 ......262,603 ........34,580 ........20,934 .............805 ........40,128 ..........4,359 ........17,692 .................5 .............656 ..........444,648 ..........1,3849. 2011..... ......198,056 ........14,805 ......401,020 ........43,160 ........28,091 .............968 ........76,947 ..........5,779 ........26,245 .................6 .............893 ..........665,642 ..........2,208

10. 2012..... ......190,234 ..........8,444 ......545,415 ........59,853 ........23,387 .............230 ......104,305 ..........4,789 ........30,706 .................6 ..........1,140 ..........820,725 ..........2,38011. 2013..... ......175,756 ..........8,262 ......664,793 ........72,647 ........14,272 .............384 ......125,519 ..........6,212 ........42,767 .................8 ..........1,499 ..........935,593 ..........3,47212. Totals... ...1,544,550 ......323,260 ...4,313,617 ......475,159 ......293,479 ........54,599 ......809,749 ........71,067 ......544,433 .............270 ..........5,162 .......6,581,475 ......755,151

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .......1,866,694 ..........806,7172. 2004. ..........972,637 ..........149,734 ..........822,903 ................47.4 ................44.7 ................48.0 .....................0 .....................0 ........XXX......... ............45,890 ............20,2743. 2005. ..........871,793 ..........183,443 ..........688,350 ................39.8 ................44.9 ................38.6 .....................0 .....................0 ........XXX......... ............59,747 ............12,2314. 2006. ..........911,032 ..........139,113 ..........771,918 ................40.8 ................35.4 ................41.9 .....................0 .....................0 ........XXX......... ..........122,669 ............24,6375. 2007. ..........986,724 ..........123,681 ..........863,044 ................43.4 ................26.9 ................47.5 .....................0 .....................0 ........XXX......... ..........159,037 ............26,9356. 2008. .......1,134,769 ..........127,761 .......1,007,008 ................53.9 ................51.7 ................54.2 .....................0 .....................0 ........XXX......... ..........229,456 ............49,9887. 2009. ..........920,800 ............73,142 ..........847,658 ................46.5 ................40.3 ................47.1 .....................0 .....................0 ........XXX......... ..........237,089 ............53,5038. 2010. .......1,061,299 ............75,114 ..........986,185 ................58.5 ................55.2 ................58.8 .....................0 .....................0 ........XXX......... ..........371,063 ............73,5869. 2011. .......1,180,959 ............86,674 .......1,094,285 ................65.1 ................60.5 ................65.5 .....................0 .....................0 ........XXX......... ..........541,112 ..........124,530

10. 2012. .......1,128,097 ............85,393 .......1,042,704 ................61.7 ................54.3 ................62.4 .....................0 .....................0 ........XXX......... ..........667,353 ..........153,37211. 2013. .......1,119,591 ............87,772 .......1,031,820 ................60.1 ................54.5 ................60.6 .....................0 .....................0 ........XXX......... ..........759,639 ..........175,95412. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .......5,059,749 .......1,521,726

Page 36: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

44

SCHEDULE P - PART 1H - SECTION 2 - OTHER LIABILITY - CLAIMS-MADE($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ..........6,783 ..........5,161 ..........5,713 .............169 ..........2,444 .............115 .............670 ..............9,495 ......XXX.......2. 2004....... .......1,436,921 ..........444,117 ..........992,804 ......498,722 ......164,838 ........68,705 ..........7,706 ........47,664 ........11,062 ..........1,037 ..........431,485 ........11,7853. 2005....... .......1,226,006 ..........191,411 .......1,034,595 ......413,181 ........46,650 ........47,597 ..........2,235 ........35,626 ..........5,057 ..........2,394 ..........442,462 ..........8,7574. 2006....... .......1,199,349 ..........160,409 .......1,038,940 ......487,722 ........70,526 ........43,169 .............581 ........37,022 .............797 ..........5,521 ..........496,009 ........10,5575. 2007....... .......1,422,356 ..........408,497 .......1,013,858 ......417,807 ........37,569 ........32,530 .............248 ........32,711 .............623 ..........1,175 ..........444,607 ........10,5826. 2008....... .......1,123,878 ..........161,300 ..........962,578 ......586,249 ........68,944 ........35,337 .............367 ........38,849 ..........1,013 .............925 ..........590,111 ..........6,0447. 2009....... .......1,182,104 ..........199,428 ..........982,675 ......475,092 ........26,149 ........32,708 .............305 ........39,078 .............856 ..........1,003 ..........519,568 ..........6,5118. 2010....... .......1,186,359 ..........251,901 ..........934,459 ......386,971 ..........4,910 ........23,590 .............172 ........27,086 ............(432) ..........1,004 ..........432,997 ..........6,7769. 2011....... .......1,207,432 ..........304,676 ..........902,756 ......245,159 .............412 ........18,773 .............122 ........25,723 .........(1,230) .............490 ..........290,351 ..........6,13510. 2012....... .......1,299,851 ..........377,607 ..........922,244 ......159,288 .............224 ..........9,400 .............223 ........27,579 .........(1,225) .............209 ..........197,044 ..........5,68811. 2013....... .......1,380,411 ..........419,559 ..........960,852 ........32,866 .............148 ..........2,265 ...............52 ........12,654 ................(0) ...............27 ............47,585 ..........3,63512. Totals..... .........XXX........ .........XXX........ .........XXX........ ...3,709,840 ......425,532 ......319,787 ........12,182 ......326,436 ........16,635 ........14,455 .......3,901,715 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ........91,919 ........10,011 ......131,968 ........11,427 ..........4,236 .............264 ........47,189 ..........1,101 ..........7,895 .............108 ...............52 ..........260,297 .............3562. 2004..... ........14,021 ..........7,682 ........24,418 ........15,491 .............113 ...............13 ..........2,827 ...............67 ..........1,419 .................5 ...............21 ............19,540 ...............563. 2005..... ........11,156 ..........3,841 ..........9,835 ...........(832) .............459 ...............22 ..........5,408 ...........(515) ..........1,487 ...............69 ...............24 ............25,760 ...............564. 2006..... ........59,269 ........16,624 ........89,434 ..........9,308 ..........1,619 ...............46 ........21,459 ..........1,142 ..........8,951 ...............68 ...............46 ..........153,544 .............2765. 2007..... ........57,869 ........21,411 ........32,981 ........(1,418) ..........1,957 .................0 ........22,585 ..........1,928 ..........3,637 .............137 ...............57 ............96,972 .............1336. 2008..... ........71,346 ........21,100 ........92,228 ..........7,691 ..........2,913 .............290 ........56,092 ..........3,132 ..........7,102 .............342 .............137 ..........197,127 .............2467. 2009..... ........99,915 ........13,999 ......103,325 ........21,376 ..........4,234 .................0 ........63,991 ..........5,686 ..........7,733 .............410 .............189 ..........237,727 .............3808. 2010..... ........97,276 ..........7,041 ......137,118 ........24,197 ..........7,099 .............889 ........99,823 ..........7,864 ..........9,795 .............410 .............258 ..........310,709 .............8229. 2011..... ........85,683 .................0 ......213,861 ..........7,269 ..........6,963 ...............11 ......121,088 ..........4,331 ........12,925 .............547 .............325 ..........428,361 ..........1,154

10. 2012..... ......107,180 .................0 ......211,939 ..........5,718 ..........8,809 ...............41 ......146,048 ..........5,787 ........17,131 .............753 .............398 ..........478,808 ..........1,96611. 2013..... ........79,978 .................0 ......315,890 ..........5,174 ..........8,342 ...............13 ......115,710 ..........4,924 ........17,631 ..........1,026 .............633 ..........526,413 ..........2,50612. Totals... ......775,611 ......101,710 ...1,362,996 ......105,401 ........46,744 ..........1,589 ......702,222 ........35,447 ........95,708 ..........3,875 ..........2,140 .......2,735,259 ..........7,951

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........202,450 ............57,8482. 2004. ..........657,890 ..........206,864 ..........451,025 ................45.8 ................46.6 ................45.4 .....................0 .....................0 ........XXX......... ............15,265 ..............4,2753. 2005. ..........524,749 ............56,527 ..........468,222 ................42.8 ................29.5 ................45.3 .....................0 .....................0 ........XXX......... ............17,982 ..............7,7784. 2006. ..........748,645 ............99,092 ..........649,553 ................62.4 ................61.8 ................62.5 .....................0 .....................0 ........XXX......... ..........122,771 ............30,7735. 2007. ..........602,077 ............60,498 ..........541,579 ................42.3 ................14.8 ................53.4 .....................0 .....................0 ........XXX......... ............70,857 ............26,1156. 2008. ..........890,116 ..........102,878 ..........787,238 ................79.2 ................63.8 ................81.8 .....................0 .....................0 ........XXX......... ..........134,784 ............62,3447. 2009. ..........826,076 ............68,782 ..........757,295 ................69.9 ................34.5 ................77.1 .....................0 .....................0 ........XXX......... ..........167,864 ............69,8638. 2010. ..........788,758 ............45,052 ..........743,707 ................66.5 ................17.9 ................79.6 .....................0 .....................0 ........XXX......... ..........203,156 ..........107,5539. 2011. ..........730,176 ............11,463 ..........718,713 ................60.5 ..................3.8 ................79.6 .....................0 .....................0 ........XXX......... ..........292,275 ..........136,087

10. 2012. ..........687,373 ............11,521 ..........675,852 ................52.9 ..................3.1 ................73.3 .....................0 .....................0 ........XXX......... ..........313,400 ..........165,40811. 2013. ..........585,336 ............11,338 ..........573,998 ................42.4 ..................2.7 ................59.7 .....................0 .....................0 ........XXX......... ..........390,693 ..........135,72012. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .......1,931,496 ..........803,763

Page 37: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

45

SCHEDULE P - PART 1I - SPECIAL PROPERTY (FIRE, ALLIED LINES, INLAND MARINE,EARTHQUAKE, BURGLARY AND THEFT)

($000 omitted)Premiums Earned Loss and Loss Expense Payments 12

Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 NumberPremiums Loss Payments Containment Payments Payments of

Were 4 5 6 7 8 9 Salvage Total ClaimsEarned and Direct Direct Direct Direct and Net Paid Reported-

Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct andIncurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed

1. Prior....... ........XXX......... ........XXX......... ........XXX......... ........91,086 ........24,046 ..........6,133 .............730 ..........4,911 ................(2) ........55,407 ............77,356 ......XXX.......2. 2012...... .......2,326,878 ..........569,644 .......1,757,234 ...2,142,557 ...1,286,927 ........72,816 ........52,098 ........76,805 ..............(39) ........24,397 ..........953,192 ......XXX.......3. 2013....... .......2,403,626 ..........589,665 .......1,813,961 ......504,036 ........54,791 ........14,065 ..........2,634 ........61,186 ................(8) ..........8,231 ..........521,870 ......XXX.......4. Totals..... ........XXX......... ........XXX......... ........XXX......... ...2,737,679 ...1,365,764 ........93,013 ........55,461 ......142,902 ..............(49) ........88,036 .......1,552,418 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ......143,919 ........41,280 ......138,849 ........68,072 ..........5,736 ..........1,702 ........16,930 ..........6,653 ........13,711 ...............31 ......134,266 ..........201,406 .............8962. 2012... ......163,783 ........43,044 ........82,241 ..........8,657 ..........5,063 .............622 ..........8,019 .............955 ..........6,988 .................0 ........55,098 ..........212,815 .............9073. 2013... ......354,855 ........66,186 ......105,950 ........26,190 ........10,935 ..........1,245 ........11,610 ..........4,317 ........29,938 .............(37) ........55,418 ..........415,387 ..........3,9244. Totals... ......662,556 ......150,510 ......327,039 ......102,919 ........21,734 ..........3,570 ........36,559 ........11,924 ........50,637 ...............(6) ......244,782 ..........829,608 ..........5,727

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........173,415 ............27,9912. 2012 .......2,558,271 .......1,392,264 .......1,166,007 ..............109.9 ..............244.4 ................66.4 .....................0 .....................0 ........XXX......... ..........194,322 ............18,4933. 2013 .......1,092,574 ..........155,318 ..........937,257 ................45.5 ................26.3 ................51.7 .....................0 .....................0 ........XXX......... ..........368,429 ............46,9584. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........736,166 ............93,442

Page 38: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

46

SCHEDULE P - PART 1J - AUTO PHYSICAL DAMAGE($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... ........XXX......... ........XXX......... ........XXX......... .........(2,515) ............(208) .............595 ...............32 ..........7,133 ...............32 ..........7,747 ..............5,357 ......XXX.......2. 2012...... .......1,786,513 ............12,270 .......1,774,243 ...1,199,289 ........22,695 ..........4,301 .............217 ......258,385 .............417 ......358,269 .......1,438,646 ......637,5233. 2013....... .......1,772,726 ............58,844 .......1,713,882 ......948,582 ..........9,689 ..........2,609 .............135 ......207,005 .............351 ......206,874 .......1,148,020 ......533,8874. Totals..... ........XXX......... ........XXX......... ........XXX......... ...2,145,356 ........32,176 ..........7,505 .............384 ......472,523 .............800 ......572,889 .......2,592,024 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ..........5,798 ........(7,821) ........38,685 ..........8,358 .............269 ...............17 ........12,961 ..........1,564 ..........4,128 .................1 ........11,598 ............59,724 ........13,3432. 2012... ..........3,173 .............118 ........23,530 ..........1,238 .............288 ...............39 ..........7,757 .............111 ..........3,397 .................1 ........14,831 ............36,638 ........14,0503. 2013... ........57,344 .............692 ........(9,272) ...........(620) ..........1,245 ...............34 ........15,414 .............588 ........24,243 .................5 ......108,227 ............88,274 ........73,7074. Totals... ........66,314 ........(7,011) ........52,943 ..........8,976 ..........1,802 ...............90 ........36,132 ..........2,262 ........31,769 .................7 ......134,657 ..........184,635 ......101,100

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............43,947 ............15,7772. 2012 .......1,500,120 ............24,835 .......1,475,284 ................84.0 ..............202.4 ................83.2 .....................0 .....................0 ........XXX......... ............25,348 ............11,2903. 2013 .......1,247,170 ............10,876 .......1,236,294 ................70.4 ................18.5 ................72.1 .....................0 .....................0 ........XXX......... ............47,999 ............40,2754. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........117,293 ............67,342

Page 39: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

47

SCHEDULE P - PART 1K - FIDELITY/SURETY($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... ........XXX......... ........XXX......... ........XXX......... ..........4,978 .........(6,184) ........12,414 .............203 ..........8,720 .................1 ........58,331 ............32,091 ......XXX.......2. 2012...... .......1,029,491 ............86,695 ..........942,797 ......103,411 ...............34 ..........4,600 ...............14 ........14,865 ................(1) ..........6,967 ..........122,830 ......XXX.......3. 2013....... .......1,016,527 ..........103,694 ..........912,833 ........33,269 .................0 ..........3,890 .................1 ........10,558 .................0 .............727 ............47,716 ......XXX.......4. Totals..... ........XXX......... ........XXX......... ........XXX......... ......141,658 .........(6,150) ........20,904 .............217 ........34,143 .................1 ........66,025 ..........202,637 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ......251,306 ........80,159 ......326,579 ......(16,746) ........78,240 ........46,038 ......186,987 ..........3,848 ........26,299 .............520 ........62,298 ..........755,592 .............8452. 2012... ........18,246 .................0 ........55,445 ...........(559) ..........3,228 .................2 ........79,026 .............298 ..........5,364 .................0 ........12,946 ..........161,567 .............1653. 2013... ........36,019 ...............50 ......126,065 ..........6,173 ..........5,064 .................8 ........50,067 ..........3,982 ..........7,990 ...............(0) ........16,598 ..........214,994 .............2704. Totals... ......305,572 ........80,208 ......508,089 ......(11,133) ........86,532 ........46,048 ......316,080 ..........8,129 ........39,654 .............520 ........91,842 .......1,132,153 ..........1,280

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........514,473 ..........241,1202. 2012 ..........284,185 ................(212) ..........284,397 ................27.6 .................(0.2) ................30.2 .....................0 .....................0 ........XXX......... ............74,251 ............87,3173. 2013 ..........272,923 ............10,213 ..........262,710 ................26.8 ..................9.8 ................28.8 .....................0 .....................0 ........XXX......... ..........155,862 ............59,1324. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........744,585 ..........387,568

Page 40: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

48

SCHEDULE P - PART 1L - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... ........XXX......... ........XXX......... ........XXX......... .............489 ...............87 .............244 .............117 ..........1,090 .................5 .................0 ..............1,614 ......XXX.......2. 2012...... ..............2,890 ..............1,642 ..............1,248 ...............39 ...............20 .................0 .................0 .............236 .................1 .................0 .................255 ......XXX.......3. 2013....... ..............2,854 ..............1,631 ..............1,223 ...............17 .................9 .................0 .................0 .............148 ................(0) .................0 .................157 ......XXX.......4. Totals..... ........XXX......... ........XXX......... ........XXX......... .............545 .............115 .............245 .............117 ..........1,473 .................6 .................0 ..............2,026 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ........39,271 ........32,877 ........18,643 ..........6,967 ...............38 ...............36 ..........5,720 ..........2,724 ...........(573) ...............(0) .................0 ............20,495 .................82. 2012... .................0 .................0 .............997 .............499 .................0 .................0 ...............57 ...............29 .............(55) ...............(0) .................0 .................472 .................03. 2013... .............204 .............102 .............898 .............552 .................2 .................1 .............102 ...............51 .............(55) ...............(0) .................0 .................445 .................64. Totals... ........39,475 ........32,979 ........20,539 ..........8,018 ...............40 ...............37 ..........5,879 ..........2,804 ...........(683) ...............(0) .................0 ............21,413 ...............14

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............18,070 ..............2,4252. 2012 ..............1,275 .................548 .................727 ................44.1 ................33.4 ................58.2 .....................0 .....................0 ........XXX......... .................499 ..................(26)3. 2013 ..............1,316 .................714 .................602 ................46.1 ................43.8 ................49.3 .....................0 .....................0 ........XXX......... .................449 ....................(4)4. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............19,018 ..............2,395

Page 41: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

49

SCHEDULE P - PART 1M - INTERNATIONAL($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ..............(66) .................0 ...............84 .................0 .............123 .................0 .................0 .................141 ......XXX.......2. 2004....... ..........293,207 .....................0 ..........293,207 ......142,191 .................0 .................0 .................0 .............747 ................(0) .................0 ..........142,938 ......XXX.......3. 2005....... ............29,389 .....................8 ............29,382 ..........6,335 .................0 .................0 .................0 .............134 .................0 .................0 ..............6,469 ......XXX.......4. 2006....... ............(6,808) .....................0 ............(6,808) .................0 .................0 .................0 .................0 .............123 .................0 .................0 .................123 ......XXX.......5. 2007....... ..............2,910 .....................0 ..............2,910 ..........6,988 .................0 .................0 .................0 .............123 .................0 .................0 ..............7,111 ......XXX.......6. 2008....... ..............8,353 .....................0 ..............8,353 ..........5,906 .................0 .................0 .................0 .............123 ................(0) .................0 ..............6,029 ......XXX.......7. 2009....... ..............9,592 .....................0 ..............9,592 ..............(37) .................0 .................0 .................0 .............123 .................0 .................0 ...................86 ......XXX.......8. 2010....... ..............3,868 .....................0 ..............3,868 .............636 .................0 .................0 .................0 .............123 .................0 .................0 .................759 ......XXX.......9. 2011....... ..............4,562 .....................0 ..............4,562 ..........7,396 .................0 .................0 .................0 .............123 .................0 .................0 ..............7,519 ......XXX.......10. 2012....... ..............3,770 .....................0 ..............3,770 .............750 .................0 .................0 .................0 ..........1,171 .................0 .................0 ..............1,921 ......XXX.......11. 2013....... ..............4,131 .....................0 ..............4,131 .................0 .................0 .................0 .................0 .............150 .................0 .................0 .................150 ......XXX.......12. Totals..... .........XXX........ .........XXX........ .........XXX........ ......170,099 .................0 ...............84 .................0 ..........3,063 ................(0) .................0 ..........173,246 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ..........1,676 .................0 ..........1,337 .................0 .................0 .................0 .............179 .................0 ...............20 .................0 .................0 ..............3,212 .................02. 2004..... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 ...............20 .................0 .................0 ...................20 .................03. 2005..... .................0 .................0 .................2 .................0 .................0 .................0 .................0 .................0 ...............20 .................0 .................0 ...................22 .................04. 2006..... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 ...............20 .................0 .................0 ...................20 .................05. 2007..... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 ...............20 .................0 .................0 ...................20 .................06. 2008..... .............494 .................0 .............229 .................0 .................0 .................0 .................0 .................0 ...............20 .................0 .................0 .................743 .................07. 2009..... .................0 .................0 .................2 .................0 .................0 .................0 .................0 .................0 ...............20 .................0 .................0 ...................21 .................08. 2010..... ..........1,569 .................0 .............292 .................0 .................0 .................0 .................0 .................0 ...............20 .................0 .................0 ..............1,881 .................09. 2011..... ..........1,803 .................0 ...............18 .................0 .................0 .................0 .................0 .................0 ...............20 .................0 .................0 ..............1,840 .................0

10. 2012..... .............258 .................0 .............110 .................0 .................0 .................0 .................0 .................0 ...............20 .................0 .................0 .................388 .................011. 2013..... ..........2,547 .................0 ..........3,256 .................0 .................0 .................0 .................0 .................0 ...............20 .................0 .................0 ..............5,823 .................012. Totals... ..........8,348 .................0 ..........5,245 .................0 .................0 .................0 .............179 .................0 .............218 .................0 .................0 ............13,990 .................0

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..............3,014 .................1992. 2004. ..........142,958 ....................(0) ..........142,958 ................48.8 .............(516.1) ................48.8 .....................0 .....................0 ........XXX......... .....................0 ...................203. 2005. ..............6,491 .....................0 ..............6,491 ................22.1 ..................0.0 ................22.1 .....................0 .....................0 ........XXX......... .....................2 ...................204. 2006. .................143 .....................0 .................143 .................(2.1) ..................0.0 .................(2.1) .....................0 .....................0 ........XXX......... .....................0 ...................205. 2007. ..............7,130 .....................0 ..............7,130 ..............245.0 ..................0.0 ..............245.0 .....................0 .....................0 ........XXX......... .....................0 ...................206. 2008. ..............6,771 ....................(0) ..............6,771 ................81.1 ..................0.0 ................81.1 .....................0 .....................0 ........XXX......... .................723 ...................207. 2009. .................108 .....................0 .................108 ..................1.1 ..................0.0 ..................1.1 .....................0 .....................0 ........XXX......... .....................2 ...................208. 2010. ..............2,640 .....................0 ..............2,640 ................68.2 ..................0.0 ................68.2 .....................0 .....................0 ........XXX......... ..............1,861 ...................209. 2011. ..............9,359 .....................0 ..............9,359 ..............205.1 ..................0.0 ..............205.1 .....................0 .....................0 ........XXX......... ..............1,821 ...................20

10. 2012. ..............2,309 .....................0 ..............2,309 ................61.3 ..................0.0 ................61.3 .....................0 .....................0 ........XXX......... .................368 ...................2011. 2013. ..............5,973 .....................0 ..............5,973 ..............144.6 ..................0.0 ..............144.6 .....................0 .....................0 ........XXX......... ..............5,803 ...................2012. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............13,593 .................397

Page 42: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

50

SCHEDULE P - PART 1N - REINSURANCENONPROPORTIONAL ASSUMED PROPERTY ($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior......... ........XXX......... ........XXX......... ........XXX......... ..........2,534 .............952 .................1 .................0 ...............14 .................9 .................0 .............1,588 ......XXX.......2. 2004......... ............97,601 ............51,082 ............46,519 ..........3,632 .............128 ...............89 ...............11 ...............16 .................3 .................0 .............3,594 ......XXX.......3. 2005......... ..............4,775 ............(2,440) ..............7,215 ..........6,779 ..........4,734 .................0 .................0 .............113 .................3 .................0 .............2,156 ......XXX.......4. 2006......... ..............7,511 ..............2,208 ..............5,302 .............423 ..........4,033 .................0 .................0 .................6 ...............13 .................0 ............(3,618) ......XXX.......5. 2007......... ............18,874 ..............1,248 ............17,626 .............429 .............842 .............323 .............323 .................7 .................4 .................0 ...............(411) ......XXX.......6. 2008......... ..............4,089 ..............1,436 ..............2,654 ..........8,626 ........11,848 ...............36 ...............36 .................6 .................3 .................0 ............(3,218) ......XXX.......7. 2009......... ..............1,512 .................842 .................670 ..........2,611 ..........2,611 ..........2,594 ..........2,594 .................4 .................2 .................0 ....................2 ......XXX.......8. 2010......... ...............(871) .................930 ............(1,800) ..........2,668 ..........1,773 .................8 .................8 .................3 .................1 .................0 ................897 ......XXX.......9. 2011......... ............17,596 ..............1,479 ............16,117 ..........6,549 ..........2,160 .............232 ...............98 .................3 .................1 .................0 .............4,525 ......XXX.......

10. 2012......... ............29,241 ..............1,627 ............27,614 ........15,279 ..........7,695 .............193 ...............95 .................3 .................1 .................0 .............7,684 ......XXX.......11. 2013......... ............40,699 ..............1,237 ............39,462 ..........2,488 ...............93 ...............32 .................3 .................1 ................(0) .................0 .............2,426 ......XXX.......12. Totals....... .........XXX........ .........XXX........ .........XXX........ ........52,017 ........36,869 ..........3,508 ..........3,167 .............175 ...............39 .................0 ...........15,624 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ........20,602 .............710 ........28,236 ........16,999 .................0 .................0 ..........1,765 .................6 .................3 .................0 .................0 ............32,891 ......XXX.......2. 2004..... .................0 .................0 .............101 .................4 .................0 .................0 ...............72 .................0 .................3 .................0 .................0 .................172 ......XXX.......3. 2005..... .................0 .................0 .................8 ...............45 .................0 .................0 .................0 .................0 .................3 .................0 .................0 ..................(34) ......XXX.......4. 2006..... .................0 .................0 ...............23 ...............13 .................0 .................0 .................0 .................1 .................3 .................0 .................0 ...................13 ......XXX.......5. 2007..... .................1 .................1 ...............96 ...............31 .................0 .................0 .................2 ...............(4) .................3 .................0 .................0 ...................72 ......XXX.......6. 2008..... .................0 .................0 .............124 .............263 .................0 .................0 .................1 .................7 .................3 .................0 .................0 ................(143) ......XXX.......7. 2009..... ........10,403 ........10,403 ...............48 .................0 .............706 .............706 .................4 .................0 .................3 .................0 .................0 ...................55 ......XXX.......8. 2010..... ..........1,597 .............202 .............559 .............292 ...............23 ...............23 .................8 .................7 .................3 .................0 .................0 ..............1,665 ......XXX.......9. 2011..... ..........8,124 .................0 ..........2,004 .............279 .............210 .................0 ...............54 ...............25 .................3 .................0 .................0 ............10,091 ......XXX.......

10. 2012..... ..........7,497 ..........4,325 ........(1,033) .............290 .............127 ...............65 ..........1,499 .................6 .................3 .................0 .................0 ..............3,407 ......XXX.......11. 2013..... ........20,877 ........14,120 .............986 ...........(818) .............369 .............141 .............(61) ...............67 .................3 .................0 .................0 ..............8,664 ......XXX.......12. Totals... ........69,101 ........29,761 ........31,152 ........17,399 ..........1,436 .............935 ..........3,344 .............115 ...............29 .................0 .................0 ............56,852 ......XXX.......

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............31,129 ..............1,7622. 2004. ..............3,912 .................147 ..............3,765 ..................4.0 ..................0.3 ..................8.1 .....................0 .....................0 ........XXX......... ...................98 ...................743. 2005. ..............6,903 ..............4,781 ..............2,122 ..............144.6 .............(196.0) ................29.4 .....................0 .....................0 ........XXX......... ..................(37) .....................34. 2006. .................456 ..............4,061 .............(3,605) ..................6.1 ..............183.9 ...............(68.0) .....................0 .....................0 ........XXX......... ...................10 .....................25. 2007. .................859 ..............1,197 ................(339) ..................4.5 ................96.0 .................(1.9) .....................0 .....................0 ........XXX......... ...................64 .....................86. 2008. ..............8,796 ............12,157 .............(3,361) ..............215.1 ..............846.7 .............(126.7) .....................0 .....................0 ........XXX......... ................(139) ....................(4)7. 2009. ............16,373 ............16,316 ...................57 ...........1,083.0 ...........1,938.7 ..................8.5 .....................0 .....................0 ........XXX......... ...................48 .....................78. 2010. ..............4,868 ..............2,306 ..............2,562 .............(559.1) ..............248.0 .............(142.3) .....................0 .....................0 ........XXX......... ..............1,662 .....................49. 2011. ............17,179 ..............2,563 ............14,616 ................97.6 ..............173.3 ................90.7 .....................0 .....................0 ........XXX......... ..............9,849 .................242

10. 2012. ............23,567 ............12,476 ............11,091 ................80.6 ..............766.9 ................40.2 .....................0 .....................0 ........XXX......... ..............1,849 ..............1,55811. 2013. ............24,695 ............13,605 ............11,090 ................60.7 ...........1,099.6 ................28.1 .....................0 .....................0 ........XXX......... ..............8,561 .................10312. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............53,094 ..............3,758

Page 43: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

51

SCHEDULE P - PART 1O - REINSURANCENONPROPORTIONAL ASSUMED LIABILITY ($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior......... ........XXX......... ........XXX......... ........XXX......... ........65,953 ..........7,778 ..........6,544 .............307 ...............92 .................0 .................0 ...........64,504 ......XXX.......2. 2004......... ............38,710 ............12,806 ............25,904 ........13,495 .............438 .............150 ...............32 .............664 .............367 .................0 ...........13,472 ......XXX.......3. 2005......... ............54,866 ............20,037 ............34,829 ..........3,954 ..........1,735 ...............55 ...............50 .............138 .................0 .................0 .............2,362 ......XXX.......4. 2006......... ............49,959 ............19,672 ............30,287 ..........2,012 ..........1,542 .............382 .............382 .............138 .................0 ...............12 ................609 ......XXX.......5. 2007......... ............37,605 ............(2,353) ............39,958 ..........1,689 ..........3,185 .............135 .............135 .............143 .................0 .................0 ............(1,353) ......XXX.......6. 2008......... ............31,760 ..........100,635 ..........(68,874) ..........5,887 ..........5,887 ...............82 ...............82 .............125 .................0 .................0 ................125 ......XXX.......7. 2009......... ............23,425 ..............2,054 ............21,370 ........28,321 ........16,196 ..........1,100 ..........1,100 ...............97 ................(0) .................0 ...........12,222 ......XXX.......8. 2010......... ............23,135 ..............3,788 ............19,347 ..........4,315 ..........4,315 ...............55 ...............55 ...............96 ................(0) .................0 ..................96 ......XXX.......9. 2011......... ............21,829 ..............2,728 ............19,102 .............203 .............203 .................1 .................1 ...............98 .................0 .................0 ..................98 ......XXX.......

10. 2012......... ............27,257 ..............3,974 ............23,283 .................0 .................0 .................0 .................0 ...............92 ................(0) .................0 ..................92 ......XXX.......11. 2013......... ............19,538 ..............3,017 ............16,521 .................0 .................0 .................0 .................0 .............112 ................(0) .................0 ................113 ......XXX.......12. Totals....... .........XXX........ .........XXX........ .........XXX........ ......125,829 ........41,280 ..........8,504 ..........2,143 ..........1,794 .............367 ...............12 ...........92,337 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ......489,652 ........41,856 ......315,113 ........12,371 ..........1,237 .............817 ........13,502 ..........2,201 ..........1,502 .............115 .................0 ..........763,648 ......XXX.......2. 2004..... ..........2,385 ..........1,837 .............445 ...............19 .............101 .............101 .............163 .................0 ..........1,502 .............115 .................0 ..............2,524 ......XXX.......3. 2005..... ..........1,582 .............261 .............611 .............334 ...............51 ...............51 .............(45) ...............12 ..........1,502 .............115 .................0 ..............2,928 ......XXX.......4. 2006..... .............361 .............361 .............803 .............334 ...............27 ...............27 .................6 .............(16) ..........1,502 .............115 .................0 ..............1,878 ......XXX.......5. 2007..... ..........1,183 ..........1,183 .............718 ...........(118) ...............82 ...............82 ...............91 ...............41 ..........1,502 .............115 .................0 ..............2,272 ......XXX.......6. 2008..... .............732 .............732 ...............47 .................5 ...............51 ...............51 .................0 .................0 ..........1,502 .............115 .................0 ..............1,430 ......XXX.......7. 2009..... ........36,537 ........36,537 .............616 .............731 .............439 .............439 ...............24 ...............11 ..........1,502 .............115 .................0 ..............1,284 ......XXX.......8. 2010..... .............807 .............807 ..........2,330 ..........1,984 .............158 .............158 ...............35 ...............25 ..........1,502 .............115 .................0 ..............1,743 ......XXX.......9. 2011..... .............122 .............122 .............500 .............429 ...............10 ...............10 .............146 .............116 ..........1,502 .............115 .................0 ..............1,488 ......XXX.......

10. 2012..... .............112 .............112 ........11,469 ..........1,168 ...............11 ...............11 ..........1,887 ..........2,055 ..........1,502 .............115 .................0 ............11,521 ......XXX.......11. 2013..... ........15,000 .................0 ..........9,189 .............153 .................5 .................0 ..........2,756 ...............17 ..........1,502 .............115 .................0 ............28,167 ......XXX.......12. Totals... ......548,474 ........83,808 ......341,843 ........17,410 ..........2,173 ..........1,747 ........18,565 ..........4,464 ........16,521 ..........1,264 .................0 ..........818,882 ......XXX.......

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........750,539 ............13,1092. 2004. ............18,904 ..............2,909 ............15,996 ................48.8 ................22.7 ................61.7 .....................0 .....................0 ........XXX......... .................974 ..............1,5503. 2005. ..............7,848 ..............2,558 ..............5,290 ................14.3 ................12.8 ................15.2 .....................0 .....................0 ........XXX......... ..............1,599 ..............1,3294. 2006. ..............5,232 ..............2,745 ..............2,487 ................10.5 ................14.0 ..................8.2 .....................0 .....................0 ........XXX......... .................470 ..............1,4085. 2007. ..............5,542 ..............4,623 .................919 ................14.7 .............(196.5) ..................2.3 .....................0 .....................0 ........XXX......... .................835 ..............1,4376. 2008. ..............8,426 ..............6,871 ..............1,554 ................26.5 ..................6.8 .................(2.3) .....................0 .....................0 ........XXX......... ...................42 ..............1,3877. 2009. ............68,636 ............55,130 ............13,506 ..............293.0 ...........2,683.4 ................63.2 .....................0 .....................0 ........XXX......... ................(115) ..............1,3998. 2010. ..............9,298 ..............7,459 ..............1,839 ................40.2 ..............196.9 ..................9.5 .....................0 .....................0 ........XXX......... .................346 ..............1,3979. 2011. ..............2,582 .................997 ..............1,585 ................11.8 ................36.6 ..................8.3 .....................0 .....................0 ........XXX......... ...................71 ..............1,417

10. 2012. ............15,074 ..............3,461 ............11,613 ................55.3 ................87.1 ................49.9 .....................0 .....................0 ........XXX......... ............10,301 ..............1,21911. 2013. ............28,564 .................285 ............28,279 ..............146.2 ..................9.5 ..............171.2 .....................0 .....................0 ........XXX......... ............24,036 ..............4,13112. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..........789,099 ............29,783

Page 44: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

52

SCHEDULE P - PART 1P - REINSURANCENONPROPORTIONAL ASSUMED FINANCIAL LINES ($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior......... ........XXX......... ........XXX......... ........XXX......... ..........1,969 .................0 ...............79 .................0 .................0 .................0 .................0 .............2,048 ......XXX.......2. 2004......... ............14,002 ...............(281) ............14,283 ..........1,875 .................0 ...............46 .................0 .................0 .................0 .................0 .............1,920 ......XXX.......3. 2005......... ..............4,351 .................524 ..............3,826 ..........1,730 .................0 ...............29 .................0 .................0 .................0 .................0 .............1,759 ......XXX.......4. 2006......... ............(1,036) ...............(144) ...............(892) .................0 .................0 .................0 .................0 .................0 .................0 .................0 ....................0 ......XXX.......5. 2007......... ..............3,208 .....................0 ..............3,208 .................0 .................0 .................0 .................0 .................0 .................0 .................0 ....................0 ......XXX.......6. 2008......... ..............2,399 .....................0 ..............2,399 .................0 .................0 .................0 .................0 .................0 .................0 .................0 ....................0 ......XXX.......7. 2009......... ..............2,972 .....................0 ..............2,972 .................0 .................0 .................0 .................0 .................0 .................0 .................0 ....................0 ......XXX.......8. 2010......... ..............2,443 .....................0 ..............2,443 .............209 .................0 .................0 .................0 ................(4) .................0 .................0 ................205 ......XXX.......9. 2011......... ..............1,470 .....................0 ..............1,470 .................0 .................0 .................0 .................0 ................(1) .................0 .................0 ...................(1) ......XXX.......

10. 2012......... ..............2,279 .....................0 ..............2,279 .................0 .................0 .................0 .................0 .................1 .................0 .................0 ....................1 ......XXX.......11. 2013......... ..............1,821 .....................0 ..............1,821 .................0 .................0 .................0 .................0 .................0 .................0 .................0 ....................0 ......XXX.......12. Totals....... .........XXX........ .........XXX........ .........XXX........ ..........5,783 .................0 .............154 .................0 ................(3) .................0 .................0 .............5,934 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ........11,226 .............281 ..........3,854 .............341 .................0 .................0 .............123 .................0 .................0 .................0 .................0 ............14,581 ......XXX.......2. 2004..... .................0 .................0 .............454 .................0 .................0 .................0 ...............42 .................0 .................0 .................0 .................0 .................496 ......XXX.......3. 2005..... ...............66 .................0 .............381 .................0 .................0 .................0 .................7 .................0 .................0 .................0 .................0 .................455 ......XXX.......4. 2006..... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ......XXX.......5. 2007..... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ......XXX.......6. 2008..... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ......XXX.......7. 2009..... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ......XXX.......8. 2010..... .............177 .................0 ...............15 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................191 ......XXX.......9. 2011..... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ......XXX.......

10. 2012..... .................0 .................0 ..........1,257 .................0 .................0 .................0 .............186 .................0 .................0 .................0 .................0 ..............1,444 ......XXX.......11. 2013..... .................0 .................0 ..........1,224 .................0 .................0 .................0 .............184 .................0 .................0 .................0 .................0 ..............1,408 ......XXX.......12. Totals... ........11,469 .............281 ..........7,185 .............341 .................0 .................0 .............543 .................0 .................1 .................0 .................0 ............18,575 ......XXX.......

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............14,457 .................1232. 2004. ..............2,417 .....................0 ..............2,417 ................17.3 ..................0.0 ................16.9 .....................0 .....................0 ........XXX......... .................454 ...................423. 2005. ..............2,214 .....................0 ..............2,214 ................50.9 ..................0.0 ................57.9 .....................0 .....................0 ........XXX......... .................447 .....................74. 2006. .....................0 .....................0 .....................0 .................(0.0) ..................0.0 .................(0.0) .....................0 .....................0 ........XXX......... .....................0 .....................05. 2007. .....................0 .....................0 .....................0 ..................0.0 ..................0.0 ..................0.0 .....................0 .....................0 ........XXX......... .....................0 .....................06. 2008. .....................0 .....................0 .....................0 ..................0.0 ..................0.0 ..................0.0 .....................0 .....................0 ........XXX......... .....................0 .....................07. 2009. .....................1 .....................0 .....................1 ..................0.0 ..................0.0 ..................0.0 .....................0 .....................0 ........XXX......... .....................0 .....................08. 2010. .................396 .....................0 .................396 ................16.2 ..................0.0 ................16.2 .....................0 .....................0 ........XXX......... .................191 .....................09. 2011. ....................(1) .....................0 ....................(1) .................(0.1) ..................0.0 .................(0.1) .....................0 .....................0 ........XXX......... .....................0 .....................0

10. 2012. ..............1,444 .....................0 ..............1,444 ................63.4 ..................0.0 ................63.4 .....................0 .....................0 ........XXX......... ..............1,257 .................18611. 2013. ..............1,408 .....................0 ..............1,408 ................77.3 ..................0.0 ................77.3 .....................0 .....................0 ........XXX......... ..............1,224 .................18412. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............18,031 .................544

Page 45: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

53

SCHEDULE P - PART 1R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ........42,340 ..........5,685 ........69,055 ..........6,447 ........25,105 .................0 ..........3,055 ..........124,369 ......XXX.......2. 2004....... ..........524,229 ............80,298 ..........443,931 ......129,253 ........12,313 ........75,686 ..........1,860 ........14,739 .............985 ..........5,361 ..........204,520 ........12,3773. 2005....... ..........328,138 ............36,109 ..........292,029 ........82,722 ........15,512 ........53,792 ..........4,229 ........13,658 .............722 ..........4,221 ..........129,709 ..........5,6114. 2006....... ..........198,077 ............13,975 ..........184,102 ........84,730 ........13,514 ........61,112 ..........6,028 ........14,002 .............160 ..........3,881 ..........140,142 ..........4,3745. 2007....... ..........200,542 ............12,848 ..........187,693 ........98,081 ........18,933 ........53,690 ..........1,047 ..........9,664 ............(250) ..........7,970 ..........141,704 ..........4,2376. 2008....... ..........192,583 ..............4,170 ..........188,413 ........77,259 ........10,058 ........37,278 ..........1,184 ........11,500 .................4 ..........3,058 ..........114,790 ..........4,2997. 2009....... ..........196,934 ..............9,570 ..........187,364 ........64,860 ..........5,454 ........29,611 .............451 ........12,647 .................0 ..........2,604 ..........101,212 ..........4,7188. 2010....... ..........161,080 ............10,279 ..........150,801 ........59,311 ..........9,235 ........29,770 ..........1,209 ........11,534 .................0 ..........1,038 ............90,172 ..........5,3229. 2011....... ..........162,078 ..............7,344 ..........154,734 ........26,211 ..........1,068 ........12,338 .............171 ........10,800 .................0 .............660 ............48,110 ..........3,94510. 2012....... ..........174,405 ..............6,735 ..........167,670 ........11,781 ..........1,516 ..........5,418 ...............86 ..........7,337 .................0 .............254 ............22,934 ..........3,71611. 2013....... ..........164,321 ..............5,348 ..........158,973 ..........1,482 ...............60 .............471 ...............41 ..........4,092 .................0 ...............71 ..............5,944 ..........1,45912. Totals..... .........XXX........ .........XXX........ .........XXX........ ......678,029 ........93,348 ......428,222 ........22,754 ......135,079 ..........1,622 ........32,175 .......1,123,606 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ......119,799 ........16,519 ......986,520 ........75,477 ......131,748 ..........7,902 ......275,201 ..........8,916 ......145,655 .............191 ...............87 .......1,549,918 ......797,1682. 2004..... ..........8,561 .............150 ........25,957 ..........2,443 ..........5,718 ...............38 ..........4,369 .............818 ..........1,823 ...............(0) ...............45 ............42,979 .............6043. 2005..... ..........9,076 ..........1,124 ........15,810 .............850 ..........3,636 ...............26 ..........3,515 .............829 ..........1,010 ...............(0) ...............29 ............30,218 .............2444. 2006..... ..........8,907 .................5 ..........9,929 .............(83) ..........5,901 .............462 ..........3,809 .............428 .............984 ...............(0) ...............32 ............28,718 .............2775. 2007..... ........16,982 ..........2,073 ..........6,895 .............872 ..........5,159 .............114 ..........4,659 ..........1,299 ..........1,468 ...............(0) ...............55 ............30,807 .............3356. 2008..... ........14,496 ..........1,157 ........23,859 .............675 ..........6,962 .............601 ..........6,165 ..........1,207 ..........2,921 ...............(0) ...............78 ............50,764 .............4017. 2009..... ........22,608 ..........1,731 ........19,989 .............239 ..........7,524 .............241 ........11,406 .............687 ..........4,135 ...............(0) .............100 ............62,765 .............5068. 2010..... ........28,160 .............381 ........23,035 ..........1,583 ........10,953 .............180 ..........3,602 ..........2,536 ..........6,143 ...............(0) .............143 ............67,212 .............7699. 2011..... ........48,259 ..........7,138 ........35,889 ..........2,823 ..........9,693 .............539 ........13,658 ..........2,150 ..........4,624 ...............(0) .............188 ............99,472 .............651

10. 2012..... ........33,492 ..........1,762 ........46,791 ..........4,904 ..........8,610 .............139 ........21,648 ..........1,585 ..........5,969 ...............(0) .............211 ..........108,120 ..........1,17611. 2013..... ........19,208 ..........1,118 ........56,106 ..........1,139 ..........3,224 ...............90 ........27,678 ..........1,103 ..........3,805 ...............(0) .............216 ..........106,571 .............59612. Totals... ......329,548 ........33,158 ...1,250,780 ........90,921 ......199,128 ........10,332 ......375,711 ........21,559 ......178,537 .............188 ..........1,185 .......2,177,545 ......802,727

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .......1,014,323 ..........535,5952. 2004. ..........266,105 ............18,606 ..........247,499 ................50.8 ................23.2 ................55.8 .....................0 .....................0 ........XXX......... ............31,925 ............11,0543. 2005. ..........183,218 ............23,292 ..........159,927 ................55.8 ................64.5 ................54.8 .....................0 .....................0 ........XXX......... ............22,912 ..............7,3064. 2006. ..........189,373 ............20,513 ..........168,860 ................95.6 ..............146.8 ................91.7 .....................0 .....................0 ........XXX......... ............18,914 ..............9,8045. 2007. ..........196,599 ............24,088 ..........172,511 ................98.0 ..............187.5 ................91.9 .....................0 .....................0 ........XXX......... ............20,933 ..............9,8746. 2008. ..........180,439 ............14,885 ..........165,554 ................93.7 ..............357.0 ................87.9 .....................0 .....................0 ........XXX......... ............36,523 ............14,2417. 2009. ..........172,780 ..............8,803 ..........163,978 ................87.7 ................92.0 ................87.5 .....................0 .....................0 ........XXX......... ............40,628 ............22,1388. 2010. ..........172,509 ............15,125 ..........157,384 ..............107.1 ..............147.1 ..............104.4 .....................0 .....................0 ........XXX......... ............49,231 ............17,9829. 2011. ..........161,472 ............13,889 ..........147,583 ................99.6 ..............189.1 ................95.4 .....................0 .....................0 ........XXX......... ............74,187 ............25,286

10. 2012. ..........141,046 ..............9,992 ..........131,054 ................80.9 ..............148.4 ................78.2 .....................0 .....................0 ........XXX......... ............73,617 ............34,50311. 2013. ..........116,067 ..............3,552 ..........112,515 ................70.6 ................66.4 ................70.8 .....................0 .....................0 ........XXX......... ............73,058 ............33,51412. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .......1,456,249 ..........721,297

Page 46: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

54

SCHEDULE P - PART 1R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS-MADE($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... .........XXX........ .........XXX........ .........XXX........ ...............11 .................0 .................8 .................2 ...............43 .................0 .................0 ...................59 ......XXX.......2. 2004....... ............34,403 ..............7,364 ............27,039 ........16,182 ........10,978 ..........1,289 ..........2,070 .............278 ...............30 ...............30 ..............4,670 ...............673. 2005....... ............20,128 ..............2,571 ............17,557 ..........6,762 ..........1,003 ..........1,238 .............118 .............488 ...............30 .................0 ..............7,337 ...............354. 2006....... ............16,084 .................322 ............15,762 .............970 .............750 .............397 .................0 .............682 ...............33 ...............10 ..............1,266 ...............305. 2007....... ............16,981 .................149 ............16,832 ..........2,495 ...............62 .............465 .................0 ..........1,171 ...............22 .............137 ..............4,047 ...............456. 2008....... ............19,196 ...................71 ............19,125 ..........3,341 .............649 ..........7,483 ..........2,047 .............475 ...............29 .................5 ..............8,575 ...............617. 2009....... ............21,447 .................416 ............21,031 ..........2,121 ...............76 ..........2,384 .................0 .............797 .................8 .................0 ..............5,219 ...............618. 2010....... ............20,827 ..............1,410 ............19,417 .............902 .................0 ..........3,989 .................0 .............520 .................8 .................0 ..............5,402 ...............809. 2011....... ............23,300 ..............2,343 ............20,957 ..........5,779 .............454 ..........2,795 .............266 .............309 ...............10 .................5 ..............8,152 ...............7010. 2012....... ............25,143 ..............4,064 ............21,079 .............173 .................2 .............627 .................0 .............334 .................0 .................0 ..............1,132 ...............6611. 2013....... ............26,700 ..............2,580 ............24,120 ...............40 .................0 ...............29 .................0 .............143 .................0 .................0 .................212 ...............3812. Totals..... .........XXX........ .........XXX........ .........XXX........ ........38,776 ........13,973 ........20,702 ..........4,504 ..........5,240 .............171 .............188 ............46,070 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... ..........1,000 .................0 ..........7,455 ..........1,014 ...............67 .................0 ..........5,032 .............220 .............195 .................0 .................0 ............12,515 ...............112. 2004..... .................0 .................0 ..........1,363 .............184 .................0 .................0 .............778 ...............33 .............(13) .................0 .................0 ..............1,911 .................03. 2005..... .................0 .................0 .............558 .............138 .................0 .................0 .............281 ...............67 ...............(2) .................0 .................0 .................632 .................14. 2006..... .................0 .................0 .............451 ...............45 .................0 .................0 .............260 .................5 ...............18 .................0 .................0 .................679 .................35. 2007..... .................0 .................0 .............289 ...............66 .................3 .................0 .............426 .................6 ...............49 .................0 .................0 .................696 .................76. 2008..... ..........3,029 .............700 ...........(149) ...............29 .............611 .............341 .............434 ...............75 .............107 .................0 .................0 ..............2,886 ...............177. 2009..... ..........1,088 ..........1,829 ..........1,677 ...........(405) .............309 .................0 .............129 .................0 .............121 .................0 .................0 ..............1,900 ...............178. 2010..... ..........1,089 ...............26 ..........2,354 .................7 ..........1,643 .............170 .............889 .................8 .............214 .................0 .................0 ..............5,979 ...............249. 2011..... ..........1,997 ...............10 .............470 ...............66 .............852 ...............15 .............611 .............(26) ...............80 .................0 .................0 ..............3,945 ...............13

10. 2012..... .............437 ...............22 ..........4,651 .............134 ..........1,566 .................0 ..........2,730 .............110 .............172 .................0 .................0 ..............9,291 ...............2011. 2013..... ..........1,019 .................0 ..........4,673 .............631 ..........1,024 .................0 ..........3,812 .............517 .............173 .................0 .................0 ..............9,554 ...............2612. Totals... ..........9,659 ..........2,587 ........23,792 ..........1,908 ..........6,075 .............526 ........15,383 ..........1,014 ..........1,117 .................0 .................0 ............49,990 .............139

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Inter- Reserves after Discount26 27 28 29 30 31 32 33 Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ..............7,441 ..............5,0742. 2004. ............19,877 ............13,296 ..............6,581 ................57.8 ..............180.6 ................24.3 .....................0 .....................0 ........XXX......... ..............1,179 .................7323. 2005. ..............9,325 ..............1,356 ..............7,969 ................46.3 ................52.7 ................45.4 .....................0 .....................0 ........XXX......... .................420 .................2124. 2006. ..............2,778 .................833 ..............1,945 ................17.3 ..............258.5 ................12.3 .....................0 .....................0 ........XXX......... .................406 .................2735. 2007. ..............4,898 .................155 ..............4,743 ................28.8 ..............104.5 ................28.2 .....................0 .....................0 ........XXX......... .................224 .................4726. 2008. ............15,331 ..............3,870 ............11,461 ................79.9 ...........5,436.1 ................59.9 .....................0 .....................0 ........XXX......... ..............2,150 .................7367. 2009. ..............8,626 ..............1,507 ..............7,119 ................40.2 ..............362.4 ................33.9 .....................0 .....................0 ........XXX......... ..............1,341 .................5598. 2010. ............11,600 .................219 ............11,381 ................55.7 ................15.5 ................58.6 .....................0 .....................0 ........XXX......... ..............3,410 ..............2,5689. 2011. ............12,893 .................795 ............12,098 ................55.3 ................33.9 ................57.7 .....................0 .....................0 ........XXX......... ..............2,390 ..............1,555

10. 2012. ............10,690 .................268 ............10,422 ................42.5 ..................6.6 ................49.4 .....................0 .....................0 ........XXX......... ..............4,932 ..............4,35911. 2013. ............10,914 ..............1,149 ..............9,766 ................40.9 ................44.5 ................40.5 .....................0 .....................0 ........XXX......... ..............5,061 ..............4,49312. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... ............28,956 ............21,034

Page 47: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

55

SCHEDULE P - PART 1S - FINANCIAL GUARANTY/MORTGAGE GUARANTY($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... ........XXX......... ........XXX......... ........XXX......... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ......XXX.......2. 2012...... .................157 .................157 .....................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ......XXX.......3. 2013....... .................125 .................125 ...................(0) .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ......XXX.......4. Totals..... ........XXX......... ........XXX......... ........XXX......... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... .................0 .................0 .................0 .................0 .................0 .................0 .................1 .................0 .................0 .................0 .................0 .....................0 .................02. 2012... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 .................03. 2013... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 .................04. Totals... .................0 .................0 .................0 .................0 .................0 .................0 .................1 .................0 .................0 .................0 .................0 .....................0 .................0

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .....................0 .....................02. 2012 .....................0 .....................0 .....................0 ..................0.0 ..................0.0 ..................0.0 .....................0 .....................0 ........XXX......... .....................0 .....................03. 2013 .....................0 .....................0 .....................0 ..................0.0 ..................0.0 ..................0.0 .....................0 .....................0 ........XXX......... .....................0 .....................04. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .....................0 .....................0

Page 48: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

56

SCHEDULE P - PART 1T - WARRANTY($000 omitted)

Premiums Earned Loss and Loss Expense Payments 12Years in Which 1 2 3 Defense and Cost Adjusting and Other 10 11 Number

Premiums Loss Payments Containment Payments Payments ofWere 4 5 6 7 8 9 Salvage Total Claims

Earned and Direct Direct Direct Direct and Net Paid Reported-Losses Were and Net and and and Subrogation (Cols. 4 - 5 + Direct and

Incurred Assumed Ceded (Cols. 1 - 2) Assumed Ceded Assumed Ceded Assumed Ceded Received 6 - 7 + 8 - 9) Assumed1. Prior....... ........XXX......... ........XXX......... ........XXX......... ................(0) .................0 .................0 .................0 .................0 .................0 .................0 ...................(0) ......XXX.......2. 2012...... .....................0 .....................0 .....................0 .................0 .................0 .................0 .................0 .................1 .................0 .................0 .....................1 .................03. 2013....... .....................0 .....................0 .....................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 .................04. Totals..... ........XXX......... ........XXX......... ........XXX......... ................(0) .................0 .................0 .................0 .................1 .................0 .................0 .....................0 ......XXX.......

Adjusting and Other 23 24 25Losses Unpaid Defense and Cost Containment Unpaid Unpaid Total

Case Basis Bulk + IBNR Case Basis Bulk + IBNR 21 22 Net Number of13 14 15 16 17 18 19 20 Salvage Losses Claims

Direct Direct Direct Direct Direct and and Outstanding-and and and and and Subrogation Expenses Direct and

Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Assumed Ceded Anticipated Unpaid Assumed1. Prior..... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 .................02. 2012... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 .................03. 2013... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 .................04. Totals... .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .................0 .....................0 .................0

34Total Losses and Loss and Loss Expense Percentage Nontabular Net Balance Sheet

Loss Expenses Incurred (Incurred/Premiums Earned) Discount Reserves after Discount26 27 28 29 30 31 32 33 Inter-Company 35 36

Direct Direct Pooling Lossand and Loss Participation Losses Expenses

Assumed Ceded Net Assumed Ceded Net Loss Expense Percentage Unpaid Unpaid1. Prior.. ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .....................0 .....................02. 2012 .....................1 .....................0 .....................1 ..................0.0 ..................0.0 ..................0.0 .....................0 .....................0 ........XXX......... .....................0 .....................03. 2013 .....................0 .....................0 .....................0 ..................0.0 ..................0.0 ..................0.0 .....................0 .....................0 ........XXX......... .....................0 .....................04. Totals ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 ........XXX......... .....................0 .....................0

Page 49: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

57

SCHEDULE P - PART 2A - HOMEOWNERS/FARMOWNERSIncurred Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) Development

Years in 1 2 3 4 5 6 7 8 9 10 11 12Which

Losses Were One TwoIncurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Year Year

1. Prior..... ........207,180 ........207,111 ........182,100 ........170,889 ........166,853 ........165,693 ........164,653 ........166,220 ........163,501 ........164,092 ...............591 ..........(2,128)2. 2004..... .....1,164,008 .....1,180,763 .....1,180,332 .....1,175,304 .....1,178,063 .....1,172,824 .....1,174,414 .....1,175,663 .....1,174,214 .....1,174,141 ...............(73) ..........(1,522)3. 2005..... .......XXX........ .....1,479,954 .....1,287,273 .....1,295,476 .....1,228,161 .....1,152,614 .....1,142,547 .....1,149,194 .....1,149,627 .....1,123,644 ........(25,983) ........(25,550)4. 2006..... .......XXX........ .......XXX........ .....1,101,748 .....1,084,820 .....1,067,327 .....1,074,165 .....1,075,314 .....1,070,967 .....1,070,618 .....1,069,804 .............(814) ..........(1,163)5. 2007..... .......XXX........ .......XXX........ .......XXX........ .....1,226,783 .....1,202,570 .....1,149,671 .....1,153,249 .....1,155,881 .....1,154,177 .....1,152,648 ..........(1,529) ..........(3,234)6. 2008..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,735,896 .....1,734,744 .....1,712,356 .....1,704,477 .....1,686,420 .....1,686,031 .............(389) ........(18,447)7. 2009..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,687,092 .....1,730,241 .....1,721,427 .....1,708,862 .....1,706,919 ..........(1,942) ........(14,508)8. 2010..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....2,006,715 .....1,945,876 .....1,919,113 .....1,917,954 ..........(1,159) ........(27,922)9. 2011..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....3,068,763 .....3,010,924 .....2,946,423 ........(64,501) ......(122,340)

10. 2012..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....2,227,741 .....2,145,488 ........(82,253) .......XXX........11. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,572,615 .......XXX........ .......XXX........

12. Totals ......(178,051) ......(216,812)

SCHEDULE P - PART 2B - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL1. Prior..... .....1,276,887 .....1,234,442 .....1,210,785 .....1,219,565 .....1,210,540 .....1,196,160 .....1,197,381 .....1,172,496 .....1,164,752 .....1,141,553 ........(23,199) ........(30,943)2. 2004.... .....1,492,078 .....1,317,757 .....1,261,023 .....1,271,366 .....1,269,538 .....1,256,302 .....1,256,818 .....1,249,370 .....1,247,295 .....1,246,945 .............(349) ..........(2,424)3. 2005.... .......XXX........ .....1,415,284 .....1,330,535 .....1,264,467 .....1,257,955 .....1,247,420 .....1,248,260 .....1,240,090 .....1,238,653 .....1,238,482 .............(171) ..........(1,608)4. 2006.... .......XXX........ .......XXX........ .....1,395,857 .....1,339,951 .....1,314,703 .....1,322,067 .....1,324,281 .....1,318,701 .....1,320,976 .....1,321,131 ...............155 ............2,4315. 2007.... .......XXX........ .......XXX........ .......XXX........ .....1,409,901 .....1,436,547 .....1,456,412 .....1,454,413 .....1,463,295 .....1,462,056 .....1,465,403 ............3,347 ............2,1096. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,443,703 .....1,464,784 .....1,440,046 .....1,453,713 .....1,451,140 .....1,451,407 ...............267 ..........(2,307)7. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,467,799 .....1,483,989 .....1,485,052 .....1,488,657 .....1,486,097 ..........(2,561) ............1,0458. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,450,363 .....1,534,249 .....1,530,132 .....1,521,168 ..........(8,965) ........(13,081)9. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,523,640 .....1,584,587 .....1,606,261 ..........21,674 ..........82,620

10. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,538,008 .....1,569,532 ..........31,525 .......XXX........11. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,389,262 .......XXX........ .......XXX........

12. Totals ..........21,723 ..........37,841

SCHEDULE P - PART 2C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL1. Prior..... .....1,776,877 .....1,773,890 .....1,724,230 .....1,609,556 .....1,582,817 .....1,570,094 .....1,506,949 .....1,532,611 .....1,523,735 .....1,524,504 ...............769 ..........(8,106)2. 2004.... .....1,176,651 .....1,034,316 ........973,480 ........942,017 ........928,460 ........928,623 ........912,946 ........907,001 ........906,092 ........900,947 ..........(5,145) ..........(6,054)3. 2005.... .......XXX........ .....1,024,397 ........947,560 ........895,319 ........860,623 ........866,124 ........857,060 ........851,195 ........845,607 ........830,487 ........(15,120) ........(20,709)4. 2006.... .......XXX........ .......XXX........ ........922,828 ........879,975 ........830,705 ........814,363 ........814,482 ........804,367 ........796,223 ........793,928 ..........(2,295) ........(10,439)5. 2007.... .......XXX........ .......XXX........ .......XXX........ ........971,202 ........938,268 ........854,750 ........911,527 ........896,789 ........892,529 ........888,181 ..........(4,348) ..........(8,608)6. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........939,089 ........816,085 ........887,408 ........894,717 ........900,531 ........907,376 ............6,845 ..........12,6597. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........912,920 ........853,808 ........901,060 ........914,589 ........913,461 ..........(1,128) ..........12,4018. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........899,697 ........963,979 ........999,713 .....1,003,135 ............3,422 ..........39,1569. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,013,871 .....1,128,558 .....1,124,538 ..........(4,020) ........110,66710. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,004,761 .....1,057,559 ..........52,798 .......XXX........11. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........982,913 .......XXX........ .......XXX........

12. Totals ..........31,779 ........120,966

SCHEDULE P - PART 2D - WORKERS' COMPENSATION(EXCLUDING EXCESS WORKERS' COMPENSATION)

1. Prior..... .....8,541,936 .....8,679,108 .....8,943,128 .....9,228,266 .....9,622,410 .....9,597,282 .....9,590,286 .....9,594,113 .....9,444,114 .....9,376,007 ........(68,106) ......(218,106)2. 2004.... .....1,802,765 .....1,658,944 .....1,510,445 .....1,456,410 .....1,438,578 .....1,410,704 .....1,374,009 .....1,359,413 .....1,350,231 .....1,338,593 ........(11,638) ........(20,820)3. 2005.... .......XXX........ .....1,607,847 .....1,483,038 .....1,406,970 .....1,332,031 .....1,312,004 .....1,280,914 .....1,262,323 .....1,240,229 .....1,205,058 ........(35,172) ........(57,266)4. 2006.... .......XXX........ .......XXX........ .....1,612,253 .....1,467,786 .....1,357,855 .....1,344,681 .....1,300,441 .....1,269,315 .....1,250,008 .....1,226,153 ........(23,855) ........(43,162)5. 2007.... .......XXX........ .......XXX........ .......XXX........ .....1,655,550 .....1,619,536 .....1,605,100 .....1,562,418 .....1,500,822 .....1,482,415 .....1,466,236 ........(16,179) ........(34,586)6. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,825,754 .....1,847,416 .....1,844,960 .....1,791,926 .....1,746,490 .....1,741,777 ..........(4,713) ........(50,149)7. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,878,782 .....1,852,258 .....1,831,926 .....1,836,485 .....1,835,663 .............(822) ............3,7388. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,964,986 .....2,109,152 .....2,106,426 .....2,124,574 ..........18,148 ..........15,4229. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....2,353,929 .....2,371,940 .....2,419,958 ..........48,018 ..........66,030

10. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....2,541,444 .....2,549,792 ............8,347 .......XXX........11. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....2,687,344 .......XXX........ .......XXX........

12. Totals ........(85,971) ......(338,900)

SCHEDULE P - PART 2E - COMMERCIAL MULTIPLE PERIL1. Prior..... .....2,509,019 .....2,411,926 .....2,493,134 .....2,415,056 .....2,381,993 .....2,329,839 .....2,296,929 .....2,262,504 .....2,243,018 .....2,231,257 ........(11,761) ........(31,248)2. 2004.... .....1,631,968 .....1,491,378 .....1,460,313 .....1,373,968 .....1,247,779 .....1,219,762 .....1,209,850 .....1,207,716 .....1,206,215 .....1,207,320 ............1,105 .............(395)3. 2005.... .......XXX........ .....2,128,974 .....1,892,303 .....1,806,269 .....1,573,771 .....1,587,288 .....1,566,533 .....1,582,953 .....1,587,415 .....1,582,495 ..........(4,921) .............(458)4. 2006.... .......XXX........ .......XXX........ .....1,425,715 .....1,363,187 .....1,224,621 .....1,147,254 .....1,142,092 .....1,155,005 .....1,149,779 .....1,148,205 ..........(1,575) ..........(6,800)5. 2007.... .......XXX........ .......XXX........ .......XXX........ .....1,432,740 .....1,375,975 .....1,312,912 .....1,350,117 .....1,347,911 .....1,324,675 .....1,322,725 ..........(1,950) ........(25,186)6. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,659,233 .....1,599,768 .....1,603,451 .....1,607,237 .....1,591,765 .....1,602,206 ..........10,441 ..........(5,031)7. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,408,010 .....1,432,724 .....1,429,448 .....1,426,684 .....1,440,023 ..........13,339 ..........10,5758. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,625,158 .....1,737,744 .....1,746,901 .....1,775,843 ..........28,942 ..........38,1009. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....2,133,191 .....2,143,305 .....2,167,614 ..........24,310 ..........34,424

10. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,819,142 .....1,820,157 ............1,015 .......XXX........11. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,558,021 .......XXX........ .......XXX........

12. Totals ..........58,945 ..........13,979

Page 50: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

58

SCHEDULE P - PART 2F - SECTION 1 - MEDICAL PROFESSIONAL LIABILITY - OCCURRENCEIncurred Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) Development

Years in 1 2 3 4 5 6 7 8 9 10 11 12Which

Losses Were One TwoIncurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Year Year

1. Prior..... ........375,318 ........342,926 ........367,367 ........369,614 ........363,251 ........361,386 ........358,926 ........362,947 ........362,388 ........359,297 ..........(3,091) ..........(3,650)2. 2004..... ............3,300 ............2,281 ............1,393 ............1,764 ............1,879 ............1,867 .............(595) .............(579) .............(593) .............(647) ...............(55) ...............(68)3. 2005..... .......XXX........ .................87 ...............497 ...............497 ...............397 ...............197 ...............(48) ...............(48) ...............(48) ...............(48) ...................0 ...................04. 2006..... .......XXX........ .......XXX........ ...............260 ...............173 ............1,037 ............1,035 .................75 .................75 .................69 .................63 .................(6) ...............(12)5. 2007..... .......XXX........ .......XXX........ .......XXX........ .................(5) ...................6 ...................8 .................14 .................14 .................13 .................12 .................(1) .................(2)6. 2008..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............(12) ...............(12) .................(2) .................(2) .................(2) .................(2) ...................0 ...................07. 2009..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................(5) .................(3) .................(3) .................(3) .................(3) ...................0 ...................08. 2010..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................(9) .................(7) .................(7) .................(7) ...................0 ...................09. 2011..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............(10) ...............(10) ...............(10) ...................0 ...................0

10. 2012..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................(3) .................(3) ...................0 .......XXX........11. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................(2) .......XXX........ .......XXX........

12. Totals ..........(3,153) ..........(3,732)

SCHEDULE P - PART 2F - SECTION 2 - MEDICAL PROFESSIONAL LIABILITY - CLAIMS-MADE1. Prior..... ........674,454 ........805,778 ........836,363 ........852,355 ........871,606 ........909,863 ........903,358 ........909,338 ........898,443 ........900,059 ............1,616 ..........(9,279)2. 2004.... ............7,017 ..........11,339 ............7,992 ............8,499 ............9,010 ............8,908 ............9,310 ............9,285 ............6,728 ............6,608 .............(119) ..........(2,677)3. 2005.... .......XXX........ ............4,191 ............3,562 ............3,434 ............3,934 ............3,734 ............3,764 ............3,952 ............3,451 ............3,551 ...............100 .............(401)4. 2006.... .......XXX........ .......XXX........ ............1,454 ...............361 ...............259 ...............127 .................13 ...............(10) ...............(17) .................46 .................63 .................565. 2007.... .......XXX........ .......XXX........ .......XXX........ ...............273 ..........(1,227) ..........(1,227) ...............273 ...................2 ...................2 ...................2 .................(0) .................(0)6. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................(1) ............1,699 ............1,910 ............1,666 ............2,068 ............2,311 ...............243 ...............6457. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................(0) ...................0 ...................0 ...................0 ...................0 ...................0 ...................08. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............132 ...............138 ...............138 ...............138 .................(0) .................(0)9. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...............225 ...............225 .................(0) ...............225

10. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................67 .................67 ...................0 .......XXX........11. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................(3) .......XXX........ .......XXX........

12. Totals ............1,903 ........(11,431)

SCHEDULE P - PART 2G - SPECIAL LIABILITY (OCEAN MARINE, AIRCRAFT (ALL PERILS), BOILER & MACHINERY)

1. Prior..... ........180,005 ........159,822 ........139,651 ........161,657 ........162,986 ........169,404 ........147,094 ........144,196 ........164,781 ........177,544 ..........12,763 ..........33,3492. 2004.... ........240,228 ........168,272 ........173,151 ........179,982 ........175,154 ........170,872 ........169,373 ........168,674 ........170,216 ........170,284 .................67 ............1,6103. 2005.... .......XXX........ ........253,838 ........196,023 ........200,949 ........196,155 ........184,675 ........183,911 ........178,657 ........180,100 ........187,363 ............7,263 ............8,7064. 2006.... .......XXX........ .......XXX........ ........211,977 ........189,832 ........184,830 ........193,396 ........195,696 ........193,988 ........192,356 ........191,917 .............(439) ..........(2,071)5. 2007.... .......XXX........ .......XXX........ .......XXX........ ........212,868 ........167,103 ........157,064 ........160,393 ........162,131 ........156,868 ........157,363 ...............495 ..........(4,768)6. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........208,996 ........203,275 ........199,053 ........192,991 ........192,767 ........191,045 ..........(1,722) ..........(1,947)7. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........195,154 ........169,751 ........164,941 ........158,572 ........154,851 ..........(3,721) ........(10,090)8. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........215,284 ........208,385 ........199,377 ........198,396 .............(981) ..........(9,989)9. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........215,990 ........224,745 ........223,145 ..........(1,600) ............7,15510. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........304,511 ........291,337 ........(13,173) .......XXX........11. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........189,421 .......XXX........ .......XXX........

12. Totals ..........(1,047) ..........21,955

SCHEDULE P - PART 2H - SECTION 1 - OTHER LIABILITY - OCCURRENCE1. Prior..... .....6,350,429 .....7,076,754 .....7,880,612 .....7,875,117 .....7,603,663 .....7,494,861 .....7,201,819 .....7,412,738 .....7,569,059 .....7,670,971 ........101,912 ........258,2332. 2004.... .....1,137,984 .....1,110,134 .....1,108,134 .....1,036,597 ........899,350 ........871,847 ........821,879 ........784,848 ........748,155 ........737,770 ........(10,385) ........(47,078)3. 2005.... .......XXX........ .....1,186,825 .....1,132,691 .....1,116,079 ........873,761 ........824,551 ........746,308 ........662,300 ........625,451 ........612,155 ........(13,296) ........(50,145)4. 2006.... .......XXX........ .......XXX........ .....1,177,997 .....1,190,935 ........983,151 ........922,830 ........851,731 ........762,086 ........723,643 ........697,829 ........(25,814) ........(64,257)5. 2007.... .......XXX........ .......XXX........ .......XXX........ .....1,103,511 .....1,127,199 .....1,044,957 .....1,015,954 ........883,153 ........831,784 ........792,600 ........(39,184) ........(90,552)6. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,111,912 .....1,138,120 .....1,164,696 ........978,367 ........957,954 ........900,125 ........(57,829) ........(78,242)7. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,033,166 .....1,056,185 ........963,332 ........868,850 ........764,326 ......(104,524) ......(199,006)8. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,016,622 ........995,555 ........948,477 ........871,871 ........(76,606) ......(123,684)9. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........987,657 .....1,013,454 ........986,294 ........(27,161) ..........(1,364)10. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........956,380 ........942,250 ........(14,130) .......XXX........11. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........931,452 .......XXX........ .......XXX........

12. Totals ......(267,017) ......(396,095)

SCHEDULE P - PART 2H - SECTION 2 - OTHER LIABILITY - CLAIMS-MADE1. Prior..... .....1,174,705 .....1,362,761 .....1,549,244 .....1,577,592 .....1,605,617 .....1,600,277 .....1,643,064 .....1,603,086 .....1,566,547 .....1,530,391 ........(36,156) ........(72,695)2. 2004.... ........641,564 ........534,814 ........532,738 ........537,488 ........483,251 ........445,720 ........434,237 ........407,969 ........414,152 ........413,009 ..........(1,143) ............5,0393. 2005.... .......XXX........ ........606,171 ........552,636 ........561,157 ........555,893 ........480,755 ........457,704 ........443,707 ........434,225 ........436,234 ............2,009 ..........(7,473)4. 2006.... .......XXX........ .......XXX........ ........603,434 ........632,639 ........681,014 ........618,537 ........613,026 ........627,464 ........605,463 ........604,445 ..........(1,018) ........(23,019)5. 2007.... .......XXX........ .......XXX........ .......XXX........ ........633,587 ........614,579 ........678,977 ........621,788 ........581,886 ........539,257 ........505,991 ........(33,267) ........(75,895)6. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........638,384 ........837,125 ........796,887 ........748,711 ........747,178 ........742,642 ..........(4,535) ..........(6,068)7. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........642,369 ........668,828 ........713,255 ........734,101 ........711,749 ........(22,352) ..........(1,505)8. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........616,901 ........658,495 ........715,459 ........706,803 ..........(8,655) ..........48,3099. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........608,349 ........639,056 ........679,381 ..........40,324 ..........71,032

10. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........578,518 ........630,670 ..........52,152 .......XXX........11. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........544,739 .......XXX........ .......XXX........

12. Totals ........(12,641) ........(62,276)

Page 51: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

59

SCHEDULE P - PART 2I - SPECIAL PROPERTY (FIRE, ALLIED LINES, INLAND MARINE,EARTHQUAKE, BURGLARY AND THEFT)

Incurred Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) Development1 2 3 4 5 6 7 8 9 10 11 12

Years inWhich

Losses Were One TwoIncurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Year Year

1. Prior..... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,011,824 ........790,767 ........685,356 ......(105,411) ......(326,468)2. 2012.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,140,912 .....1,082,175 ........(58,736) ......XXX.........3. 2013..... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........846,088 ......XXX......... ......XXX.........

4. Totals ......(164,147) ......(326,468)

SCHEDULE P - PART 2J - AUTO PHYSICAL DAMAGE1. Prior..... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........136,616 ..........82,712 ..........74,806 ..........(7,905) ........(61,810)2. 2012.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,206,327 .....1,213,920 ............7,592 ......XXX.........3. 2013.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,005,402 ......XXX......... ......XXX.........

4. Totals .............(313) ........(61,810)

SCHEDULE P - PART 2K - FIDELITY/SURETY1. Prior..... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,278,126 .....1,182,145 ........924,836 ......(257,309) ......(353,290)2. 2012.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........259,610 ........264,168 ............4,558 ......XXX.........3. 2013.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........244,162 ......XXX......... ......XXX.........

4. Totals ......(252,751) ......(353,290)

SCHEDULE P - PART 2L - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)1. Prior..... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........22,632 ..........22,748 ..........22,445 .............(302) .............(186)2. 2012.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ...............549 ...............547 .................(2) ......XXX.........3. 2013.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ...............510 ......XXX......... ......XXX.........

4. Totals .............(305) .............(186)

SCHEDULE P - PART 2M - INTERNATIONAL1. Prior..... ..........45,022 ..........29,708 ..........40,917 ..........40,916 ..........41,266 ..........41,288 ..........41,235 ..........42,092 ..........42,192 ..........42,178 ...............(14) .................862. 2004.... ........189,666 ........180,666 ........139,793 ........142,191 ........142,191 ........142,191 ........142,191 ........142,191 ........142,191 ........142,191 .................(0) .................(0)3. 2005.... .......XXX........ ..........(2,054) ............9,142 ............6,477 ............6,477 ............6,337 ............6,337 ............6,337 ............6,337 ............6,337 .................(0) .................(0)4. 2006.... .......XXX........ .......XXX........ ...............963 ...............964 ...............964 .................(0) .................(0) .................(0) .................(0) ...................0 ...................0 ...................05. 2007.... .......XXX........ .......XXX........ .......XXX........ ............6,198 ............5,909 ............8,025 ............6,988 ............6,988 ............6,988 ............6,988 .................(0) .................(0)6. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........10,444 ............7,359 ............6,670 ............6,670 ............6,670 ............6,629 ...............(42) ...............(42)7. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............583 ...............310 ...............310 ...............310 ...............(35) .............(345) .............(345)8. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............3,206 ............4,105 ............5,605 ............2,497 ..........(3,108) ..........(1,608)9. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............9,776 ..........11,243 ............9,216 ..........(2,027) .............(560)

10. 2012.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............3,356 ............1,118 ..........(2,238) ......XXX.........11. 2013.... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............5,803 ......XXX......... ......XXX.........

12. Totals ..........(7,774) ..........(2,469)

Page 52: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

60

SCHEDULE P - PART 2N - REINSURANCENONPROPORTIONAL ASSUMED PROPERTY

Incurred Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) Development1 2 3 4 5 6 7 8 9 10 11 12

Years inWhich

Losses Were One TwoIncurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Year Year

1. Prior..... ........263,993 ........285,938 ........294,184 ........239,064 ........272,862 ........281,994 ........276,266 ........276,615 ........278,612 ........278,107 .............(504) ............1,4922. 2004..... ..........35,471 ..........26,675 ............5,463 ............5,463 ............5,463 ............3,851 ............3,851 ............3,751 ............3,751 ............3,751 .................(0) .................(0)3. 2005..... .......XXX........ ............9,260 ............4,046 ............1,146 ............1,346 ............2,033 ............1,768 ............1,968 ............1,968 ............2,009 .................41 .................414. 2006..... .......XXX........ .......XXX........ ............5,997 ............1,175 ...............625 ..........(3,417) ..........(3,599) ..........(3,599) ..........(3,604) ..........(3,600) ...................3 .................(2)5. 2007..... .......XXX........ .......XXX........ .......XXX........ ..........19,255 ............7,655 .............(922) .............(456) .............(357) .............(357) .............(344) .................13 .................136. 2008..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............3,004 ..........(5,781) ..........(5,711) ..........(3,211) ..........(3,211) ..........(3,367) .............(156) .............(156)7. 2009..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................4 ...................4 ...................4 ...............(56) .................52 ...............107 .................478. 2010..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............2,506 ............3,005 ............3,005 ............2,558 .............(447) .............(447)9. 2011..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........14,631 ..........15,266 ..........14,611 .............(655) ...............(20)

10. 2012..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........10,691 ..........11,086 ...............395 .......XXX........11. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........11,085 .......XXX........ .......XXX........

12. Totals ..........(1,203) ...............968

SCHEDULE P - PART 2O - REINSURANCENONPROPORTIONAL ASSUMED LIABILITY

1. Prior..... .....1,633,474 .....2,347,068 .....2,530,167 .....2,756,339 .....2,634,615 .....2,584,048 .....2,483,731 .....2,479,096 .....2,446,647 .....2,455,030 ............8,383 ........(24,066)2. 2004.... ..........26,684 ..........26,700 ..........26,695 ..........27,898 ..........44,269 ..........42,784 ..........41,662 ..........41,728 ..........14,198 ..........14,312 ...............113 ........(27,416)3. 2005.... .......XXX........ ..........27,863 ..........18,158 ..........24,219 ............7,680 ............3,574 ............3,264 ............8,730 ............3,860 ............3,765 ...............(95) ..........(4,964)4. 2006.... .......XXX........ .......XXX........ ..........32,934 ..........26,633 ............1,473 ............1,887 ............1,509 ............1,509 ...............768 ...............961 ...............194 .............(547)5. 2007.... .......XXX........ .......XXX........ .......XXX........ ..........26,913 ............2,109 ............1,248 .............(985) ..........(1,913) ..........(1,978) .............(611) ............1,367 ............1,3026. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........20,312 ..........17,027 ..........18,520 ..........18,491 .................38 .................43 ...................5 ........(18,448)7. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........14,374 ..........14,474 ..........14,478 ...............628 ..........12,022 ..........11,395 ..........(2,455)8. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........12,553 ..........12,542 ...................0 ...............356 ...............356 ........(12,186)9. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........14,693 ...............(98) ...............101 ...............199 ........(14,592)10. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........10,323 ..........10,134 .............(189) .......XXX........11. 2013.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........26,780 .......XXX........ .......XXX........

12. Totals ..........21,728 ......(103,374)

SCHEDULE P - PART 2P - REINSURANCENONPROPORTIONAL ASSUMED FINANCIAL LINES

1. Prior..... ..........19,811 ..........36,932 ..........36,013 ..........34,043 ..........34,165 ..........25,271 ..........21,566 ..........13,756 ..........18,751 ..........22,791 ............4,040 ............9,0352. 2004.... ...............839 ...............945 ............1,445 ............2,545 ............3,203 ............3,501 ............3,464 ............3,456 ............3,456 ............2,416 ..........(1,040) ..........(1,040)3. 2005.... .......XXX........ ............2,421 ............2,417 ............2,917 ............3,437 ............2,610 ............2,214 ............2,214 ............2,214 ............2,214 .................(0) .................(0)4. 2006.... .......XXX........ .......XXX........ ...............791 ...............791 ...............791 ...............291 ...................0 ...................0 ...................0 ...................0 ...................0 ...................05. 2007.... .......XXX........ .......XXX........ .......XXX........ ............2,234 ...............934 ...............912 ...............912 ...............495 ...................0 ...................0 ...................0 .............(495)6. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............1,303 ...............889 ...............889 ...............593 ...................0 ...................0 ...................0 .............(593)7. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............1,841 ............1,841 ............1,841 ...................0 ...................0 ...................0 ..........(1,841)8. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............1,526 ............2,839 ...............400 ...............400 .................(0) ..........(2,439)9. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............1,359 ...................0 ...................0 ...................0 ..........(1,359)10. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............1,443 ............1,443 .................(0) .......XXX........11. 2013.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............1,408 .......XXX........ .......XXX........

12. Totals ............3,000 ............1,268

Page 53: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

61

SCHEDULE P - PART 2R - SECTION 1 - PRODUCTS LIABILITY - OCCURRENCEIncurred Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) Development

1 2 3 4 5 6 7 8 9 10 11 12Years inWhich

Losses Were One TwoIncurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Year Year

1. Prior..... .....3,051,723 .....3,173,636 .....2,669,458 .....2,710,430 .....3,034,635 .....3,013,725 .....3,264,988 .....3,262,927 .....3,300,020 .....3,311,495 ..........11,475 ..........48,5682. 2004..... ........348,990 ........327,121 ........272,536 ........248,258 ........283,764 ........249,028 ........245,574 ........235,454 ........236,201 ........231,922 ..........(4,278) ..........(3,531)3. 2005..... .......XXX........ ........192,915 ........180,697 ........143,445 ........177,150 ........159,466 ........158,948 ........162,660 ........154,088 ........145,981 ..........(8,107) ........(16,679)4. 2006..... .......XXX........ .......XXX........ ........120,624 ........107,114 ........149,345 ........148,525 ........133,044 ........142,430 ........156,967 ........154,034 ..........(2,933) ..........11,6045. 2007..... .......XXX........ .......XXX........ .......XXX........ ........111,910 ........107,370 ........124,334 ........155,834 ........153,890 ........157,425 ........161,128 ............3,703 ............7,2386. 2008..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........104,979 ........136,853 ........126,997 ........144,686 ........142,216 ........151,137 ............8,921 ............6,4517. 2009..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........102,994 ........104,239 ........120,921 ........127,229 ........147,195 ..........19,966 ..........26,2748. 2010..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........91,230 ........109,410 ........121,033 ........139,707 ..........18,674 ..........30,2969. 2011..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........94,839 ........122,718 ........132,159 ............9,441 ..........37,320

10. 2012..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........103,724 ........117,748 ..........14,024 .......XXX........11. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........104,618 .......XXX........ .......XXX........

12. Totals ..........70,884 ........147,541

SCHEDULE P - PART 2R - SECTION 2 - PRODUCTS LIABILITY - CLAIMS-MADE1. Prior..... ..........70,659 ..........68,491 ..........65,760 ..........65,486 ..........70,516 ..........65,259 ..........61,592 ..........61,747 ..........62,063 ..........55,709 ..........(6,354) ..........(6,038)2. 2004.... ..........17,942 ............2,717 ............1,476 ..........(3,313) ..........(2,962) ............4,262 ............6,304 ............6,369 ............6,831 ............6,346 .............(485) ...............(24)3. 2005.... .......XXX........ ............9,620 ............9,403 ..........13,829 ..........13,314 ..........11,403 ............7,797 ............7,876 ............7,580 ............7,513 ...............(67) .............(362)4. 2006.... .......XXX........ .......XXX........ ............8,448 ............8,457 ............5,970 ............5,447 ............3,033 ............2,405 ............1,529 ............1,278 .............(251) ..........(1,127)5. 2007.... .......XXX........ .......XXX........ .......XXX........ ............8,863 ..........12,296 ..........10,901 ..........10,893 ............8,867 ............3,550 ............3,545 .................(5) ..........(5,323)6. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............8,562 ..........11,690 ..........11,835 ..........10,255 ..........11,140 ..........10,907 .............(232) ...............6527. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........10,309 ..........10,617 ............8,105 ............5,667 ............6,208 ...............542 ..........(1,896)8. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............7,716 ............8,601 ..........11,053 ..........10,656 .............(398) ............2,0559. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........11,090 ..........10,812 ..........11,718 ...............906 ...............62710. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............9,034 ............9,916 ...............883 .......XXX........11. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............9,449 .......XXX........ .......XXX........

12. Totals ..........(5,462) ........(11,435)

SCHEDULE P - PART 2S - FINANCIAL GUARANTY/MORTGAGE GUARANTY1. Prior..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 .................(0) .................(0)2. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 .......XXX........3. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 .......XXX........ .......XXX........

4. Totals .................(0) .................(0)

SCHEDULE P - PART 2T - WARRANTY1. Prior..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 .................(0) .................(0) .................(0)2. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 .......XXX........3. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 .......XXX........ .......XXX........

4. Totals .................(0) .................(0)

Page 54: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

62

SCHEDULE P - PART 3A - HOMEOWNERS/FARMOWNERSCumulative Paid Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) 11 12

1 2 3 4 5 6 7 8 9 10 Number of Number ofYears in Claims ClaimsWhich Closed Closed

Losses Were With Loss Without LossIncurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Payment Payment

1. Prior..... ........000........ ..........76,546 ........115,807 ........135,790 ........145,519 ........150,728 ........154,942 ........158,659 ........156,637 ........158,722 ...................0 ...................02. 2004..... ........715,449 .....1,061,422 .....1,122,697 .....1,145,220 .....1,157,795 .....1,164,217 .....1,169,622 .....1,172,776 .....1,172,290 .....1,172,815 ........158,590 ..........29,7163. 2005..... .......XXX........ ........745,053 .....1,046,862 .....1,068,817 .....1,091,496 .....1,096,595 .....1,105,751 .....1,112,608 .....1,116,429 .....1,121,125 ........152,106 ..........22,8524. 2006..... .......XXX........ .......XXX........ ........734,162 ........977,644 .....1,027,198 .....1,048,687 .....1,061,535 .....1,063,137 .....1,065,571 .....1,066,706 ........154,206 ..........17,0175. 2007..... .......XXX........ .......XXX........ .......XXX........ ........785,796 .....1,058,795 .....1,094,906 .....1,122,838 .....1,136,717 .....1,143,681 .....1,145,682 ........140,812 ..........14,2186. 2008..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,165,592 .....1,551,099 .....1,621,468 .....1,657,901 .....1,667,666 .....1,675,605 ........213,065 ..........19,6347. 2009..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,194,787 .....1,584,732 .....1,651,665 .....1,678,268 .....1,691,084 ........214,006 ..........21,9788. 2010..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,352,538 .....1,779,683 .....1,846,154 .....1,882,332 ........233,360 ..........19,9289. 2011..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....2,314,143 .....2,790,220 .....2,861,551 ........335,579 ..........21,507

10. 2012..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,567,599 .....1,977,224 ........247,283 ..........14,04711. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,046,026 ........124,235 ............7,888

SCHEDULE P - PART 3B - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL1. Prior..... ........000........ ........420,606 ........647,946 ........780,893 ........845,052 ........871,913 ........892,025 ........906,816 ........918,662 ........934,564 ...................0 ...................02. 2004.... ........448,379 ........833,863 .....1,024,311 .....1,139,027 .....1,205,312 .....1,229,075 .....1,238,757 .....1,242,590 .....1,244,746 .....1,245,566 ........220,066 ..........73,4433. 2005.... .......XXX........ ........457,175 ........833,278 .....1,026,866 .....1,140,543 .....1,194,249 .....1,218,789 .....1,228,701 .....1,233,222 .....1,235,251 ........220,587 ..........67,1954. 2006.... .......XXX........ .......XXX........ ........484,845 ........882,582 .....1,100,160 .....1,213,877 .....1,276,068 .....1,301,452 .....1,312,144 .....1,315,645 ........230,449 ..........63,6615. 2007.... .......XXX........ .......XXX........ .......XXX........ ........540,556 ........988,399 .....1,212,471 .....1,340,252 .....1,414,283 .....1,442,018 .....1,455,704 ........247,361 ..........72,4276. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........563,325 ........988,716 .....1,211,225 .....1,340,515 .....1,409,527 .....1,434,281 ........245,234 ..........73,7667. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........567,530 .....1,017,838 .....1,251,092 .....1,380,728 .....1,443,099 ........238,805 ..........71,2858. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........586,258 .....1,045,926 .....1,285,305 .....1,416,659 ........229,040 ..........60,5039. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........621,971 .....1,117,901 .....1,360,626 ........218,805 ..........54,32210. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........625,752 .....1,097,707 ........192,120 ..........40,70311. 2013.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........554,625 ........116,655 ..........25,630

SCHEDULE P - PART 3C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL1. Prior..... ........000........ ........648,504 .....1,008,361 .....1,230,261 .....1,315,032 .....1,377,543 .....1,400,074 .....1,411,671 .....1,419,721 .....1,429,063 ...................0 ...................02. 2004.... ........167,988 ........389,281 ........588,909 ........724,780 ........818,916 ........852,132 ........871,050 ........878,677 ........881,423 ........882,966 ..........82,411 ..........47,0043. 2005.... .......XXX........ ........149,692 ........352,259 ........539,392 ........669,120 ........748,905 ........784,835 ........798,904 ........814,788 ........817,760 ..........68,732 ..........44,0864. 2006.... .......XXX........ .......XXX........ ........150,422 ........351,366 ........512,657 ........634,382 ........714,436 ........740,374 ........758,935 ........769,414 ..........60,825 ..........41,7105. 2007.... .......XXX........ .......XXX........ .......XXX........ ........171,496 ........393,173 ........579,007 ........720,732 ........803,556 ........842,774 ........855,642 ..........63,554 ..........43,3246. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........169,348 ........361,748 ........567,822 ........716,737 ........814,444 ........859,467 ..........63,035 ..........43,5157. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........166,376 ........377,705 ........578,004 ........724,482 ........810,771 ..........52,927 ..........37,1278. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........194,040 ........439,191 ........670,409 ........824,289 ..........53,262 ..........38,4589. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........219,285 ........506,846 ........740,178 ..........54,221 ..........39,53610. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........207,906 ........473,577 ..........47,003 ..........36,24611. 2013.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........200,501 ..........31,599 ..........26,940

SCHEDULE P - PART 3D - WORKERS' COMPENSATION(EXCLUDING EXCESS WORKERS' COMPENSATION)

1. Prior..... ........000........ ........765,517 .....1,379,327 .....1,848,276 .....2,226,704 .....2,455,945 .....2,771,796 .....2,990,310 .....3,317,605 .....3,629,897 ...................0 ...................02. 2004.... ........216,721 ........462,374 ........600,883 ........688,605 ........758,533 ........809,653 ........853,255 ........888,720 ........921,172 ........949,750 ........130,202 ..........51,9123. 2005.... .......XXX........ ........193,503 ........393,687 ........503,604 ........577,244 ........636,759 ........685,747 ........718,587 ........748,344 ........772,745 ........110,932 ..........40,9354. 2006.... .......XXX........ .......XXX........ ........191,775 ........397,655 ........508,277 ........582,357 ........640,816 ........679,016 ........713,087 ........745,270 ..........96,442 ..........33,0365. 2007.... .......XXX........ .......XXX........ .......XXX........ ........237,045 ........497,841 ........652,495 ........754,752 ........825,649 ........883,825 ........929,579 ..........98,507 ..........22,3276. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........296,027 ........620,222 ........813,560 ........944,205 .....1,036,246 .....1,114,259 ........107,873 ..........10,3377. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........303,289 ........661,010 ........875,853 .....1,015,976 .....1,124,464 ........100,073 ............9,9138. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........355,151 ........782,687 .....1,020,650 .....1,181,380 ........106,289 ..........11,4169. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........432,920 ........943,664 .....1,228,303 ........118,119 ..........13,297

10. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........461,126 ........987,307 ........115,178 ..........13,79511. 2013.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........483,256 ..........68,739 ..........11,034

SCHEDULE P - PART 3E - COMMERCIAL MULTIPLE PERIL1. Prior..... ........000........ ........561,039 ........980,387 .....1,287,280 .....1,490,328 .....1,602,728 .....1,681,812 .....1,775,215 .....1,832,199 .....1,884,209 ...................0 ...................02. 2004.... ........442,551 ........775,128 ........904,285 .....1,010,010 .....1,079,203 .....1,114,645 .....1,140,728 .....1,157,530 .....1,168,934 .....1,174,138 ..........51,806 ..........42,7363. 2005.... .......XXX........ ........511,841 .....1,135,795 .....1,262,545 .....1,392,931 .....1,452,603 .....1,504,049 .....1,525,187 .....1,536,000 .....1,544,807 ..........53,148 ..........44,8614. 2006.... .......XXX........ .......XXX........ ........403,890 ........657,996 ........794,924 ........907,537 ........997,623 .....1,040,112 .....1,069,768 .....1,086,210 ..........48,665 ..........47,1605. 2007.... .......XXX........ .......XXX........ .......XXX........ ........466,144 ........779,545 ........936,147 .....1,062,717 .....1,159,173 .....1,206,220 .....1,228,494 ..........49,131 ..........41,4166. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........660,004 .....1,032,498 .....1,190,062 .....1,318,823 .....1,409,923 .....1,470,683 ..........55,564 ..........44,0087. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........555,781 ........896,693 .....1,056,977 .....1,197,487 .....1,292,206 ..........50,675 ..........43,8818. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........654,068 .....1,108,052 .....1,316,545 .....1,497,167 ..........54,466 ..........45,7509. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........984,992 .....1,481,539 .....1,710,000 ..........62,507 ..........48,150

10. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........745,518 .....1,189,232 ..........50,223 ..........40,08011. 2013.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........604,150 ..........27,231 ..........28,316

Page 55: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

63

SCHEDULE P - PART 3F - SECTION 1 - MEDICAL PROFESSIONAL LIABILITY - OCCURRENCECumulative Paid Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) 11 12

1 2 3 4 5 6 7 8 9 10 Number of Number ofYears in Claims ClaimsWhich Closed Closed

Losses Were With Loss Without LossIncurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Payment Payment

1. Prior..... ........000........ ........100,512 ........157,530 ........220,178 ........270,228 ........300,155 ........311,131 ........326,296 ........334,617 ........341,729 ...................0 ...................02. 2004..... ...............(19) .............(612) ..........(1,116) ..........(1,387) ..........(1,565) ..........(1,540) ..........(1,231) ..........(1,243) ..........(1,212) ..........(1,212) ...................5 ...................53. 2005..... .......XXX........ ...............(33) ...............(35) ...................2 .............(249) .............(295) .............(295) .............(296) .............(296) .............(296) ...................2 ...................34. 2006..... .......XXX........ .......XXX........ ...................0 ...................0 ...................2 ...................8 .................16 .................25 .................29 .................37 ...................0 ...................25. 2007..... .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................1 ...................2 ...................3 ...................5 ...................6 ...................0 ...................16. 2008..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................07. 2009..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................08. 2010..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................0 ...................0 ...................19. 2011..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................0 ...................0

10. 2012..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................011. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0

SCHEDULE P - PART 3F - SECTION 2 - MEDICAL PROFESSIONAL LIABILITY - CLAIMS-MADE1. Prior..... ........000........ ........308,558 ........497,094 ........631,128 ........704,561 ........748,658 ........789,076 ........813,203 ........823,448 ........831,460 ...................0 ...................02. 2004.... ...............559 ............1,879 ............3,683 ............4,362 ............4,965 ............5,120 ............5,636 ............5,638 ............5,638 ............5,638 .................87 ...............2833. 2005.... .......XXX........ ...............276 ............1,203 ............1,739 ............2,146 ............2,412 ............2,741 ............2,763 ............2,809 ............2,815 .................44 ...............1864. 2006.... .......XXX........ .......XXX........ .................42 .................43 .................45 .................46 .................46 .................46 .................46 .................46 ...................0 ...................05. 2007.... .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................06. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................40 ...............377 ............1,566 ............1,567 ............1,972 ............1,972 ...................0 ...................17. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................08. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............132 ...............138 ...............138 ...............138 ...................2 ...................39. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................0 ...................1

10. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................111. 2013.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0

SCHEDULE P - PART 3G - SPECIAL LIABILITY (OCEAN MARINE,AIRCRAFT (ALL PERILS), BOILER AND MACHINERY)

1. Prior..... ........000........ ..........39,274 ..........65,274 ..........87,512 ..........91,581 ........105,711 ........107,915 ........109,674 ........111,308 ........114,643 .......XXX........ .......XXX........2. 2004.... ..........83,619 ........135,929 ........150,611 ........158,392 ........165,686 ........167,664 ........166,261 ........166,247 ........166,320 ........168,566 .......XXX........ .......XXX........3. 2005.... .......XXX........ ..........95,809 ........153,937 ........164,398 ........170,922 ........176,366 ........178,443 ........179,859 ........181,346 ........184,505 .......XXX........ .......XXX........4. 2006.... .......XXX........ .......XXX........ ..........83,514 ........145,443 ........161,518 ........173,442 ........182,559 ........184,818 ........186,824 ........187,649 .......XXX........ .......XXX........5. 2007.... .......XXX........ .......XXX........ .......XXX........ ..........78,945 ........122,476 ........136,264 ........145,781 ........154,699 ........154,746 ........154,790 .......XXX........ .......XXX........6. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........83,697 ........152,812 ........162,763 ........173,646 ........179,469 ........182,310 .......XXX........ .......XXX........7. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........73,984 ........121,310 ........138,138 ........144,612 ........146,122 .......XXX........ .......XXX........8. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........100,868 ........154,299 ........172,785 ........182,462 .......XXX........ .......XXX........9. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........108,333 ........186,764 ........202,701 .......XXX........ .......XXX........10. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........97,930 ........232,491 .......XXX........ .......XXX........11. 2013.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........82,092 .......XXX........ .......XXX........

SCHEDULE P - PART 3H - SECTION 1 - OTHER LIABILITY - OCCURRENCE1. Prior..... ........000........ .....1,276,862 .....2,333,458 .....2,886,004 .....3,741,029 .....4,142,168 .....4,500,127 .....4,818,987 .....5,014,940 .....5,195,922 ...................0 ...................02. 2004.... ..........28,865 ........112,777 ........273,237 ........422,266 ........522,759 ........586,016 ........626,200 ........656,456 ........672,207 ........678,639 ..........19,303 ..........28,8933. 2005.... .......XXX........ ..........23,824 ..........93,671 ........216,597 ........324,370 ........427,963 ........493,577 ........523,298 ........535,356 ........543,629 ..........12,516 ..........16,5474. 2006.... .......XXX........ .......XXX........ ..........20,353 ..........93,664 ........208,334 ........335,354 ........449,377 ........498,221 ........533,783 ........553,793 ............8,747 ..........13,2685. 2007.... .......XXX........ .......XXX........ .......XXX........ ..........30,649 ........132,922 ........285,953 ........427,197 ........499,541 ........569,065 ........611,066 ............7,840 ..........12,8046. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........34,283 ........146,821 ........344,942 ........466,011 ........570,907 ........638,828 ............7,562 ..........12,9797. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........30,470 ........158,017 ........293,063 ........408,367 ........484,711 ............6,888 ..........12,6528. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........32,262 ........131,565 ........300,451 ........444,910 ............6,909 ..........13,7949. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........48,143 ........188,713 ........346,892 ............6,598 ..........13,81810. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........31,069 ........152,224 ............5,093 ..........10,51511. 2013.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........38,617 ............2,974 ............7,930

SCHEDULE P - PART 3H - SECTION 2 - OTHER LIABILITY - CLAIMS-MADE1. Prior..... ........000........ ........372,344 ........683,725 ........878,956 ........980,243 .....1,131,748 .....1,211,235 .....1,253,804 .....1,270,715 .....1,277,881 ...................0 ...................02. 2004.... ..........17,435 ..........90,313 ........200,285 ........265,775 ........320,538 ........350,858 ........380,213 ........387,528 ........389,147 ........394,883 ............3,458 ............8,2713. 2005.... .......XXX........ ..........24,237 ........131,480 ........233,035 ........302,554 ........349,299 ........382,247 ........396,631 ........405,184 ........411,892 ............3,778 ............4,9234. 2006.... .......XXX........ .......XXX........ ..........34,876 ........130,490 ........258,496 ........319,297 ........390,711 ........425,624 ........442,970 ........459,784 ............4,983 ............5,2985. 2007.... .......XXX........ .......XXX........ .......XXX........ ..........34,983 ........137,752 ........245,157 ........321,532 ........376,263 ........392,662 ........412,519 ............4,591 ............5,8586. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........47,386 ........163,071 ........294,845 ........404,410 ........490,052 ........552,275 ............4,244 ............1,5547. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........36,066 ........176,462 ........327,788 ........410,267 ........481,346 ............5,031 ............1,1008. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........34,373 ........156,107 ........294,834 ........405,479 ............4,992 ...............9629. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........35,844 ........150,783 ........263,398 ............4,237 ...............74410. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........40,450 ........168,241 ............3,101 ...............62111. 2013.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........34,931 ...............861 ...............268

Page 56: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

64

SCHEDULE P - PART 3I - SPECIAL PROPERTY (FIRE, ALLIED LINES, INLAND MARINE,EARTHQUAKE, BURGLARY AND THEFT)

Cumulative Paid Net Losses and Defense and Containment Expenses Reported at Year End ($000 omitted) 11 121 2 3 4 5 6 7 8 9 10 Number of Number of

Years in Claims ClaimsWhich Closed Closed

Losses Were With Loss Without LossIncurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Payment Payment

1. Prior..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........000........ ........425,187 ........497,630 .......XXX........ .......XXX........2. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........541,248 ........876,348 .......XXX........ .......XXX........3. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........460,676 .......XXX........ .......XXX........

SCHEDULE P - PART 3J - AUTO PHYSICAL DAMAGE1. Prior..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........000........ ..........20,955 ..........19,210 ...................0 ...................02. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .....1,145,929 .....1,180,678 ........505,230 ........118,2433. 2013.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........941,367 ........372,238 ..........87,942

SCHEDULE P - PART 3K - FIDELITY/SURETY1. Prior..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........000........ ........171,650 ........195,023 .......XXX........ .......XXX........2. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........42,106 ........107,964 .......XXX........ .......XXX........3. 2013.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........37,158 .......XXX........ .......XXX........

SCHEDULE P - PART 3L - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)1. Prior..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........000........ ...............848 ............1,377 .......XXX........ .......XXX........2. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................19 .................20 .......XXX........ .......XXX........3. 2013.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................9 .......XXX........ .......XXX........

SCHEDULE P - PART 3M - INTERNATIONAL1. Prior..... ........000........ ..........30,490 ..........33,570 ..........35,362 ..........36,246 ..........36,890 ..........37,348 ..........38,567 ..........38,967 ..........38,985 .......XXX........ .......XXX........2. 2004.... ............2,666 ..........36,102 ..........51,916 ........142,191 ........142,191 ........142,191 ........142,191 ........142,191 ........142,191 ........142,191 .......XXX........ .......XXX........3. 2005.... .......XXX........ ............9,000 ............9,000 ............6,335 ............6,335 ............6,335 ............6,335 ............6,335 ............6,335 ............6,335 .......XXX........ .......XXX........4. 2006.... .......XXX........ .......XXX........ .................(0) .................(0) .................(0) .................(0) .................(0) .................(0) .................(0) ...................0 .......XXX........ .......XXX........5. 2007.... .......XXX........ .......XXX........ .......XXX........ ...................4 ............2,941 ............6,988 ............6,988 ............6,988 ............6,988 ............6,988 .......XXX........ .......XXX........6. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............3,836 ............3,945 ............5,319 ............5,630 ............5,833 ............5,906 .......XXX........ .......XXX........7. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...............105 ...............127 ...............(37) ...............(37) .......XXX........ .......XXX........8. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 .................66 ...............636 ...............636 .......XXX........ .......XXX........9. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............926 ............5,461 ............7,396 .......XXX........ .......XXX........

10. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............750 ...............750 .......XXX........ .......XXX........11. 2013.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 .......XXX........ .......XXX........

Page 57: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

65

SCHEDULE P - PART 3N - REINSURANCENONPROPORTIONAL ASSUMED PROPERTY

Cumulative Paid Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) 11 121 2 3 4 5 6 7 8 9 10 Number of Number of

Years in Claims ClaimsWhich Closed Closed

Losses Were With Loss Without LossIncurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Payment Payment

1. Prior..... .......000......... ..........53,463 ..........78,576 ........150,145 ........168,363 ........220,473 ........231,688 ........239,039 ........243,636 ........245,219 .......XXX........ .......XXX........2. 2004..... ...............718 ............2,994 ............3,042 ............3,313 ............3,562 ............3,568 ............3,581 ............3,581 ............3,581 ............3,581 .......XXX........ .......XXX........3. 2005..... .......XXX........ ............1,157 ............3,301 ............2,094 ............2,046 ............2,046 ............2,046 ............2,046 ............2,046 ............2,046 .......XXX........ .......XXX........4. 2006..... .......XXX........ .......XXX........ ...............419 ..........(2,327) ..........(3,586) ..........(3,586) ..........(3,610) ..........(3,610) ..........(3,610) ..........(3,610) .......XXX........ .......XXX........5. 2007..... .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...............(93) .............(419) .............(414) .............(414) .............(414) .......XXX........ .......XXX........6. 2008..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ..........(1,534) ..........(2,099) ..........(3,221) ..........(3,221) ..........(3,221) ..........(3,221) .......XXX........ .......XXX........7. 2009..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................0 ...................0 .......XXX........ .......XXX........8. 2010..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...............895 .......XXX........ .......XXX........9. 2011..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............1,829 ............4,431 ............4,523 .......XXX........ .......XXX........

10. 2012..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............3,316 ............7,682 .......XXX........ .......XXX........11. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............2,424 .......XXX........ .......XXX........

SCHEDULE P - PART 3O - REINSURANCENONPROPORTIONAL ASSUMED LIABILITY

1. Prior..... .......000......... ........363,536 ........640,229 ........913,022 .....1,372,797 .....1,423,870 .....1,534,728 .....1,593,707 .....1,628,358 .....1,692,769 .......XXX........ .......XXX........2. 2004.... ...............120 ...............368 ............2,187 ............6,555 ............7,666 ............9,596 ..........12,410 ..........13,174 ..........13,175 ..........13,175 .......XXX........ .......XXX........3. 2005.... .......XXX........ .................10 .................93 ............1,507 ............1,969 ............2,077 ............2,197 ............2,224 ............2,224 ............2,224 .......XXX........ .......XXX........4. 2006.... .......XXX........ .......XXX........ ...............151 ...............151 ...............151 ...............920 ...............470 ...............470 ...............470 ...............470 .......XXX........ .......XXX........5. 2007.... .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ..........(1,810) ..........(1,548) ..........(1,504) ..........(1,496) .......XXX........ .......XXX........6. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................0 ...................0 .................(0) .......XXX........ .......XXX........7. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............553 ...............553 ...................0 ...................0 ..........12,125 .......XXX........ .......XXX........8. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................0 .......XXX........ .......XXX........9. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 .......XXX........ .......XXX........10. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 .......XXX........ .......XXX........11. 2013.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 .......XXX........ .......XXX........

SCHEDULE P - PART 3P - REINSURANCENONPROPORTIONAL ASSUMED FINANCIAL LINES

1. Prior..... .......000......... ............2,793 ............2,416 ............2,334 ............5,370 ............5,738 ............5,924 ............5,855 ............6,162 ............8,210 .......XXX........ .......XXX........2. 2004.... ...................0 ...................0 ...................0 ...............219 ...............641 ...............530 ............1,138 ............1,138 ............1,144 ............1,920 .......XXX........ .......XXX........3. 2005.... .......XXX........ ...................0 ...................0 ...............601 ............1,279 ............1,703 ............1,759 ............1,759 ............1,759 ............1,759 .......XXX........ .......XXX........4. 2006.... .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 .......XXX........ .......XXX........5. 2007.... .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 .......XXX........ .......XXX........6. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 .......XXX........ .......XXX........7. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................0 ...................0 .......XXX........ .......XXX........8. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...............209 ...............209 ...............209 .......XXX........ .......XXX........9. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 .......XXX........ .......XXX........10. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 .......XXX........ .......XXX........11. 2013.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 .......XXX........ .......XXX........

Page 58: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

66

SCHEDULE P - PART 3R-SECTION 1 - PRODUCTS LIABILITY - OCCURRENCE Cumulative Paid Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted) 11 12

1 2 3 4 5 6 7 8 9 10 Number of Number ofYears in Claims ClaimsWhich Closed Closed

Losses Were With Loss Without LossIncurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Payment Payment

1. Prior..... ........000........ ........291,604 ........548,111 ........911,248 .....1,098,406 .....1,317,389 .....1,503,408 .....1,654,592 .....1,807,778 .....1,907,041 ...................0 ...................02. 2004..... ............3,142 ..........17,857 ..........50,046 ..........90,706 ........120,426 ........144,454 ........161,817 ........173,619 ........181,885 ........190,767 ............4,240 ............7,5333. 2005..... .......XXX........ ............4,335 ..........14,150 ..........26,579 ..........48,733 ..........63,705 ..........84,145 ..........91,294 ........102,963 ........116,773 ............2,332 ............3,0354. 2006..... .......XXX........ .......XXX........ ............3,184 ..........12,659 ..........30,564 ..........59,603 ..........79,424 ..........97,137 ........116,931 ........126,301 ............1,716 ............2,3815. 2007..... .......XXX........ .......XXX........ .......XXX........ ............3,011 ..........16,731 ..........54,807 ..........80,300 ..........99,890 ........120,812 ........131,790 ............1,590 ............2,3126. 2008..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............3,197 ..........16,654 ..........39,171 ..........64,007 ..........90,015 ........103,294 ............1,624 ............2,2747. 2009..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............6,659 ..........18,844 ..........39,812 ..........61,663 ..........88,565 ............1,688 ............2,5248. 2010..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............5,056 ..........17,993 ..........50,677 ..........78,637 ............1,945 ............2,6089. 2011..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............3,385 ..........17,224 ..........37,310 ............1,053 ............2,241

10. 2012..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............3,187 ..........15,597 ...............818 ............1,72211. 2013..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ............1,851 ...............236 ...............627

SCHEDULE P - PART 3R-SECTION 2 - PRODUCTS LIABILITY- CLAIMS-MADE1. Prior..... ........000........ ..........19,647 ..........22,529 ..........27,649 ..........32,895 ..........36,252 ..........36,598 ..........37,561 ..........43,372 ..........43,389 ...................0 ...................02. 2004.... .................31 .................16 ..........(2,725) ..........(4,895) ..........(6,875) ...............190 ............5,143 ............5,143 ............5,143 ............4,422 .................23 .................443. 2005.... .......XXX........ .................41 ...............409 ............6,828 ............6,879 ............6,879 ............6,879 ............6,879 ............6,879 ............6,879 .................19 .................154. 2006.... .......XXX........ .......XXX........ .................25 ...............360 ...............586 ...............617 ...............617 ...............617 ...............617 ...............617 .................11 .................165. 2007.... .......XXX........ .......XXX........ .......XXX........ ...............919 ............2,510 ............2,597 ............2,740 ............2,725 ............2,872 ............2,898 .................20 .................186. 2008.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................34 ...............874 ............2,350 ............5,139 ............6,853 ............8,128 .................10 .................347. 2009.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............410 ............1,744 ............2,757 ............3,251 ............4,429 .................10 .................348. 2010.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............401 ............2,426 ............3,895 ............4,891 .................23 .................339. 2011.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............287 ............3,522 ............7,853 .................13 .................44

10. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...............117 ...............798 ...................4 .................4211. 2013.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .................69 ...................2 .................10

SCHEDULE P - PART 3S - FINANCIAL GUARANTY/MORTGAGE GUARANTY1. Prior..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........000........ ...................0 ...................0 .......XXX........ .......XXX........2. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 .......XXX........ .......XXX........3. 2013.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 .......XXX........ .......XXX........

SCHEDULE P - PART 3T - WARRANTY1. Prior..... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ........000........ ...................0 .................(0) ...................0 ...................02. 2012.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0 ...................03. 2013.... .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ .......XXX........ ...................0 ...................0 ...................0

Page 59: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

67

SCHEDULE P - PART 4A - HOMEOWNERS/FARMOWNERSBulk and IBNR Reserves on Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted)

1 2 3 4 5 6 7 8 9 10Years in Which Losses Were

Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 20131. Prior............... ..............73,616 ..............53,991 ..............22,466 ................9,665 ................6,202 ................3,493 ................1,897 ................1,527 ...................419 ...................1162. 2004.............. ............287,932 ..............44,424 ..............18,296 ................8,414 ................9,108 ................1,540 ...................848 ...................650 ...................807 ...................1953. 2005.............. ........XXX........... ............544,663 ............191,348 ............202,707 ............126,066 ..............46,357 ..............27,243 ..............34,305 ..............31,370 ...................6494. 2006.............. ........XXX........... ........XXX........... ............205,365 ..............33,628 ................2,744 ................2,555 ...................557 .................(708) ................1,162 ...................3875. 2007.............. ........XXX........... ........XXX........... ........XXX........... ............223,453 ..............53,397 ................3,571 ...................604 ................2,810 ................1,830 ...................7376. 2008.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............349,629 ..............82,667 ..............31,271 ..............13,553 ................2,439 ................1,7197. 2009.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............259,092 ..............46,106 ..............18,864 ................5,882 ................4,2038. 2010.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............400,709 ..............64,886 ..............18,788 ................8,1579. 2011.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............468,477 ............113,334 ..............29,590

10. 2012.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............416,404 ..............66,47811. 2013.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............316,993

SCHEDULE P - PART 4B - PRIVATE PASSENGER AUTO LIABILITY/MEDICAL1. Prior............... ............471,330 ............290,337 ............218,458 ............203,359 ............202,313 ............182,679 ............192,953 ............(18,808) ...................525 ..............18,9552. 2004............. ............634,359 ............205,763 ..............67,150 ..............40,102 ..............26,708 ................9,091 ................9,254 ................2,073 ................1,004 ...................7173. 2005............. ........XXX........... ............560,397 ............231,070 ..............83,052 ..............35,075 ..............14,156 ..............13,671 ................2,851 ................1,195 ................1,1234. 2006............. ........XXX........... ........XXX........... ............514,231 ............178,921 ..............52,067 ..............21,631 ................7,813 ...................103 ................2,050 ................1,9055. 2007............. ........XXX........... ........XXX........... ........XXX........... ............452,184 ............152,363 ..............68,495 ..............17,526 ................6,906 ................1,761 ................2,3306. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............460,221 ............180,611 ..............56,217 ..............23,503 ................8,455 ................3,9997. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............458,816 ............174,933 ..............67,138 ..............29,357 ................8,8388. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............415,184 ............194,008 ..............78,807 ..............25,9699. 2011............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............449,576 ............175,556 ..............78,214

10. 2012............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............469,369 ............190,85011. 2013............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............453,358

SCHEDULE P - PART 4C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICAL1. Prior............... ............717,247 ............483,752 ............339,992 ............188,450 ............167,776 ............137,004 ..............74,375 ..............73,798 ..............68,877 ..............69,8562. 2004............. ............650,320 ............288,773 ............147,696 ..............75,183 ..............44,039 ..............51,500 ..............27,888 ..............20,741 ..............19,547 ..............14,8413. 2005............. ........XXX........... ............528,872 ............282,177 ............145,804 ..............56,938 ..............51,247 ..............29,567 ..............29,047 ..............23,747 ..............19,1374. 2006............. ........XXX........... ........XXX........... ............458,340 ............237,558 ............116,401 ..............64,546 ..............43,148 ..............36,032 ..............23,520 ..............18,5775. 2007............. ........XXX........... ........XXX........... ........XXX........... ............477,552 ............247,771 ..............76,403 ..............69,667 ..............33,262 ..............21,065 ..............17,2736. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............436,037 ............148,373 ..............91,644 ..............38,566 ..............23,517 ..............19,3487. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............455,976 ............179,908 ............116,397 ..............58,075 ..............38,1308. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............366,635 ............202,734 ............109,413 ..............52,3759. 2011............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............423,942 ............279,596 ............127,23110. 2012............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............451,202 ............254,23011. 2013............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............462,549

SCHEDULE P - PART 4D - WORKERS' COMPENSATION(EXCLUDING EXCESS WORKERS' COMPENSATION)

1. Prior............... .........3,381,468 .........2,904,218 .........2,560,980 .........2,527,747 .........2,578,986 .........2,536,767 .........2,356,085 .........2,261,024 .........1,982,734 .........1,851,8562. 2004............. .........1,244,252 ............894,901 ............595,755 ............463,466 ............396,373 ............325,335 ............253,751 ............221,070 ............185,627 ............144,7543. 2005............. ........XXX........... .........1,119,648 ............803,743 ............643,650 ............493,220 ............433,310 ............358,108 ............312,034 ............275,517 ............231,7784. 2006............. ........XXX........... ........XXX........... .........1,062,796 ............775,035 ............580,848 ............505,908 ............414,991 ............354,535 ............296,904 ............247,6095. 2007............. ........XXX........... ........XXX........... ........XXX........... .........1,024,306 ............769,382 ............671,471 ............534,453 ............429,925 ............356,744 ............299,2656. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... .........1,040,735 ............795,065 ............649,229 ............513,448 ............404,638 ............343,4247. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .........1,166,693 ............800,715 ............633,759 ............514,409 ............429,4008. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .........1,135,161 ............867,322 ............668,627 ............544,2679. 2011............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .........1,341,985 ............891,392 ............715,88010. 2012............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .........1,518,001 ............994,93311. 2013............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .........1,560,017

SCHEDULE P - PART 4E - COMMERCIAL MULTIPLE PERIL1. Prior............... .........1,264,328 ............923,106 ............862,540 ............706,848 ............631,266 ............545,476 ............467,080 ............380,422 ............326,934 ............277,1992. 2004............. ............796,115 ............457,405 ............338,124 ............208,378 ..............77,205 ..............45,169 ..............35,079 ..............28,505 ..............25,013 ..............24,7703. 2005............. ........XXX........... ............790,207 ............475,725 ............347,661 ..............49,440 ..............56,256 ..............20,253 ..............37,466 ..............36,803 ..............26,1284. 2006............. ........XXX........... ........XXX........... ............700,762 ............431,096 ............209,641 ..............84,798 ..............51,239 ..............59,241 ..............47,468 ..............42,0245. 2007............. ........XXX........... ........XXX........... ........XXX........... ............551,713 ............312,575 ............142,804 ............120,228 ..............97,562 ..............70,317 ..............68,7806. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............704,334 ............256,218 ............162,228 ............119,394 ..............84,459 ..............68,7367. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............471,768 ............256,984 ............142,613 ..............74,021 ..............62,6588. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............493,591 ............279,918 ............144,916 ..............73,6279. 2011............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............529,993 ............286,159 ............162,19510. 2012............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............536,607 ............309,97011. 2013............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............526,087

Page 60: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

68

SCHEDULE P - PART 4F - SECTION 1 - MEDICAL PROFESSIONAL LIABILITY - OCCURRENCEBulk and IBNR Reserves on Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted)

1 2 3 4 5 6 7 8 9 10Years in Which Losses Were

Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 20131. Prior............... ............127,510 ............(32,258) ............(13,576) ..............(1,010) ..............15,987 ..............20,954 ................6,965 ................7,865 ..............13,472 ................6,8622. 2004.............. ................4,425 ................3,122 ................3,225 ................3,079 ................2,859 ................2,855 ...................681 ...................652 ...................619 ...................5653. 2005.............. ........XXX........... ...................144 ...................453 ...................580 ...................576 ...................582 ...................337 ...................248 ...................248 ...................2484. 2006.............. ........XXX........... ........XXX........... ...................259 ...................160 ................1,009 ...................992 .....................24 .....................17 .....................11 .......................65. 2007.............. ........XXX........... ........XXX........... ........XXX........... .....................(5) .......................4 .......................3 .......................6 .......................5 .......................3 .......................26. 2008.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ...................(12) ...................(12) .....................(2) .....................(2) .....................(2) .....................(2)7. 2009.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .....................(5) .....................(3) .....................(3) .....................(3) .....................(3)8. 2010.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .....................(9) .....................(7) .....................(7) .....................(7)9. 2011.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ...................(10) ...................(10) ...................(10)

10. 2012.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .....................(3) .....................(3)11. 2013.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .....................(2)

SCHEDULE P - PART 4F - SECTION 2 - MEDICAL PROFESSIONAL LIABILITY - CLAIMS-MADE1. Prior............... ............127,598 ............(67,946) ............(23,169) ..............19,478 ..............25,130 ..............42,376 ..............38,760 ..............39,631 ..............31,418 ..............28,9492. 2004............. ................4,260 ................6,847 ................2,889 ................3,208 ................3,434 ................3,591 ................3,646 ................3,640 ................1,089 ...................9703. 2005............. ........XXX........... ................2,176 ................1,157 ...................573 ...................965 ...................757 ...................868 ................1,188 ...................642 ...................7374. 2006............. ........XXX........... ........XXX........... ...................586 ...................183 .....................82 .....................82 ...................(33) ...................(63) ...................(63) .......................05. 2007............. ........XXX........... ........XXX........... ........XXX........... ...................273 ..............(1,227) ..............(1,227) ...................273 .......................2 .......................2 .......................26. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... .................(426) .....................74 ...................102 .....................99 .....................96 .....................897. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ...................(11) .......................0 .......................0 .......................0 .......................08. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .....................(1) .......................0 .....................(0) .......................09. 2011............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .......................0 .......................0 ...................225

10. 2012............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .....................(3) .....................1711. 2013............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .....................(3)

SCHEDULE P - PART 4G - SPECIAL LIABILITY (OCEAN MARINE,AIRCRAFT (ALL PERILS), BOILER AND MACHINERY)

1. Prior............... ..............75,974 ..............53,716 ..............19,968 ..............41,220 ..............41,963 ..............42,086 ..............22,823 ..............19,867 ..............39,894 ..............52,4632. 2004............. ............103,819 ................5,881 ................1,737 ................8,106 ................3,413 ...................986 ................1,836 ................1,194 ................1,265 ................2,0923. 2005............. ........XXX........... ............104,241 ..............17,142 ..............20,770 ................9,853 ..............(5,656) ...................255 ..............(5,007) ..............(6,556) ................2,3864. 2006............. ........XXX........... ........XXX........... ..............65,383 ..............16,974 ...................826 ................1,960 ................1,266 ................1,078 ...................862 ................1,8875. 2007............. ........XXX........... ........XXX........... ........XXX........... ..............89,045 ..............21,031 ................2,531 ...................299 ................2,454 .....................88 ................1,3776. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............70,776 ..............10,053 ..............11,734 ................4,204 ................3,210 ................1,2877. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............68,960 ..............22,790 ..............13,968 ................4,690 ................1,7528. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............59,322 ..............26,542 ................8,461 ................4,2129. 2011............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............43,666 ..............14,713 ................6,70110. 2012............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............59,400 ..............27,65211. 2013............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............56,669

SCHEDULE P - PART 4H - SECTION 1 - OTHER LIABILITY - OCCURRENCE1. Prior............... .........4,043,997 .........4,031,462 .........4,199,614 .........4,035,934 .........3,135,801 .........2,743,800 .........2,167,175 .........2,124,170 .........2,069,428 .........2,012,5452. 2004............. ............931,000 ............728,431 ............575,824 ............407,814 ............252,454 ............199,081 ............133,061 ..............88,433 ..............58,978 ..............49,1453. 2005............. ........XXX........... .........1,019,363 ............827,801 ............684,104 ............388,728 ............298,003 ............201,386 ............109,634 ..............69,974 ..............58,1774. 2006............. ........XXX........... ........XXX........... .........1,026,868 ............916,451 ............608,940 ............446,691 ............308,033 ............202,590 ............153,188 ............125,0345. 2007............. ........XXX........... ........XXX........... ........XXX........... ............944,905 ............807,645 ............556,128 ............443,727 ............282,792 ............202,969 ............152,8236. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............930,119 ............738,076 ............602,267 ............338,843 ............257,742 ............175,6397. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............886,044 ............716,241 ............491,425 ............321,489 ............182,3348. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............842,196 ............636,554 ............403,093 ............263,7919. 2011............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............808,745 ............619,084 ............429,02810. 2012............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............783,663 ............585,07811. 2013............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............711,453

SCHEDULE P - PART 4H - SECTION 2 - OTHER LIABILITY - CLAIMS-MADE1. Prior............... ............673,712 ............526,111 ............486,500 ............390,328 ............364,322 ............251,363 ............274,004 ............233,782 ............201,628 ............166,6302. 2004............. ............560,510 ............348,773 ............203,655 ............182,294 ..............88,256 ..............45,560 ..............36,530 ..............11,094 ..............12,434 ..............11,6873. 2005............. ........XXX........... ............505,492 ............315,118 ............230,840 ............180,548 ..............84,407 ..............43,056 ..............34,092 ..............18,366 ..............16,5904. 2006............. ........XXX........... ........XXX........... ............487,528 ............386,964 ............330,527 ............210,175 ............171,097 ............115,333 ............105,441 ............100,4425. 2007............. ........XXX........... ........XXX........... ........XXX........... ............498,105 ............358,419 ............339,294 ............225,394 ............163,738 ............111,918 ..............55,0566. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............510,244 ............546,857 ............371,720 ............201,531 ............164,925 ............137,4977. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............498,334 ............316,041 ............276,138 ............204,684 ............140,2548. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............496,931 ............340,849 ............299,843 ............204,8809. 2011............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............491,434 ............361,172 ............323,34910. 2012............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............455,417 ............346,48111. 2013............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............421,502

Page 61: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

69

SCHEDULE P - PART 4I - SPECIAL PROPERTY (FIRE, ALLIED LINES, INLAND MARINE,EARTHQUAKE, BURGLARY AND THEFT)

Bulk and IBNR Reserves on Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted)Years in Which 1 2 3 4 5 6 7 8 9 10 Losses Were

Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 20131. Prior............... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............376,049 ............119,500 ..............81,0542. 2012............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............218,125 ..............80,6483. 2013.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............87,053

SCHEDULE P - PART 4J - AUTO PHYSICAL DAMAGE1. Prior............... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............57,753 ..............51,168 ..............41,7252. 2012............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............(21,492) ..............29,9383. 2013............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................6,174

SCHEDULE P - PART 4K - FIDELITY/SURETY1. Prior............... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............966,066 ............751,003 ............526,4642. 2012............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............170,902 ............134,7313. 2013............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ............165,977

SCHEDULE P - PART 4L - OTHER (INCLUDING CREDIT, ACCIDENT AND HEALTH)1. Prior............... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............13,813 ..............14,564 ..............14,6722. 2012............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ...................530 ...................5273. 2013............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ...................398

SCHEDULE P - PART 4M - INTERNATIONAL1. Prior............... ..............29,941 ..............(5,927) ................1,906 ................1,545 ................1,563 ................2,101 ................1,803 ................1,835 ................1,462 ................1,5162. 2004............. ............155,451 ............113,015 ..............69,218 .......................0 .......................0 .......................0 .......................0 .......................0 .......................0 .......................03. 2005............. ........XXX........... ..............(6,035) ...................142 ...................142 ...................142 .......................2 .......................2 .......................2 .......................2 .......................24. 2006............. ........XXX........... ........XXX........... ...................963 ...................964 ...................964 .......................0 .......................0 .......................0 .......................0 .......................05. 2007............. ........XXX........... ........XXX........... ........XXX........... ................4,609 ................1,657 ................1,038 .......................0 .......................0 .......................0 .......................06. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................1,690 ................1,152 .......................0 .....................61 ...................286 ...................2297. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ...................583 ...................199 .....................37 ...................201 .......................28. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................2,995 ................3,771 ................3,403 ...................2929. 2011............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................2,903 ................3,362 .....................1810. 2012............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................2,599 ...................11011. 2013............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................3,256

Page 62: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

70

SCHEDULE P - PART 4N - REINSURANCENONPROPORTIONAL ASSUMED PROPERTY

Bulk and IBNR Reserves on Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted)1 2 3 4 5 6 7 8 9 10

Years in Which Losses Were

Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 20131. Prior............... ............124,333 ............123,201 ............115,760 ..............14,821 ..............44,384 ..............18,863 ................9,685 ..............10,525 ..............12,741 ..............12,9962. 2004.............. ..............33,700 ..............21,036 ................1,918 ................1,938 ................1,895 ...................126 ...................270 ...................170 ...................170 ...................1693. 2005.............. ........XXX........... ................5,537 ................1,394 ...................338 .................(700) ...................232 ...................(32) ...................(77) ...................(77) ...................(37)4. 2006.............. ........XXX........... ........XXX........... ................7,909 ................5,344 ................4,229 ...................177 .....................20 .....................12 .......................7 .....................105. 2007.............. ........XXX........... ........XXX........... ........XXX........... ..............19,482 ................8,409 .....................60 ...................(18) .....................56 .....................56 .....................706. 2008.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................6,522 .....................68 ..............(1,787) .....................11 .....................11 .................(145)7. 2009.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .......................4 .......................4 .......................4 ...................(56) .....................528. 2010.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .......................1 ...................499 ...................800 ...................2689. 2011.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .................(492) ................1,043 ................1,754

10. 2012.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ...................(84) ...................17111. 2013.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................1,676

SCHEDULE P - PART 4O - REINSURANCENONPROPORTIONAL ASSUMED LIABILITY

1. Prior............... ............752,812 ............823,388 ............772,009 ............826,952 ............536,180 ............499,458 ............399,988 ............361,858 ............347,396 ............314,0432. 2004............. ..............24,972 ..............22,712 ..............15,403 ..............14,510 ..............28,650 ..............26,983 ..............27,045 ..............27,162 ...................502 ...................5893. 2005............. ........XXX........... ..............31,723 ..............22,850 ..............27,224 ..............10,828 ................5,174 ................5,206 ................5,183 ...................315 ...................2204. 2006............. ........XXX........... ........XXX........... ..............32,783 ..............26,491 ................1,215 ...................967 ...................657 ................1,039 ...................297 ...................4915. 2007............. ........XXX........... ........XXX........... ........XXX........... ..............26,913 ................2,120 ................1,258 ................1,280 .................(457) .................(486) ...................8856. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............20,312 ..............17,027 ..............18,520 ..............18,491 .....................38 .....................437. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............13,742 ..............13,921 ..............14,478 ...................628 .................(103)8. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............12,553 ..............12,542 .......................0 ...................3569. 2011............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............14,693 ...................(98) ...................101

10. 2012............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............11,823 ..............10,13411. 2013............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............11,775

SCHEDULE P - PART 4P - REINSURANCENONPROPORTIONAL ASSUMED FINANCIAL LINES

1. Prior............... ................9,028 ..............22,554 ..............21,632 ..............19,361 ..............21,255 ..............16,812 ..............12,894 ................5,136 ................4,160 ................3,6362. 2004............. ...................839 ...................259 ...................283 ...................343 ...................824 ...................473 .....................32 ................2,181 ...................546 ...................4963. 2005............. ........XXX........... ................2,421 ................2,417 ................1,275 ................1,399 ...................484 .....................87 ...................389 ...................388 ...................3884. 2006............. ........XXX........... ........XXX........... ...................791 ...................791 ...................791 ...................291 .......................0 .......................0 .......................0 .......................05. 2007............. ........XXX........... ........XXX........... ........XXX........... ................2,234 ...................934 ...................912 ...................912 ...................495 .......................0 .......................06. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................1,303 ...................889 ...................889 ...................593 .......................0 .......................07. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................1,841 ................1,841 ................1,841 .......................0 .......................08. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................1,461 ................2,481 .....................42 .....................159. 2011............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................1,359 .......................0 .......................0

10. 2012............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................1,443 ................1,44311. 2013............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................1,408

Page 63: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

71

SCHEDULE P - PART 4R-SECTION 1 - PRODUCTS LIABILITY - OCCURRENCEBulk and IBNR Reserves on Net Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted)

1 2 3 4 5 6 7 8 9 10Years in Which Losses Were

Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 20131. Prior............... .........2,404,301 .........2,257,511 .........1,580,900 .........1,349,425 .........1,523,121 .........1,362,449 .........1,455,216 .........1,353,711 .........1,256,356 .........1,177,3282. 2004.............. ............312,586 ............238,607 ............141,404 ..............86,181 ............105,154 ..............60,319 ..............54,623 ..............43,120 ..............34,905 ..............27,0653. 2005.............. ........XXX........... ............164,751 ............126,240 ..............70,931 ..............88,165 ..............65,652 ..............51,213 ..............50,182 ..............34,054 ..............17,6474. 2006.............. ........XXX........... ........XXX........... ..............90,846 ..............53,868 ..............74,557 ..............48,698 ..............20,511 ..............21,828 ..............24,050 ..............13,3935. 2007.............. ........XXX........... ........XXX........... ........XXX........... ..............78,059 ..............37,645 ..............27,267 ..............27,057 ..............18,294 ................6,712 ................9,3836. 2008.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............77,232 ..............72,908 ..............32,450 ..............36,615 ..............24,258 ..............28,1437. 2009.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............69,199 ..............45,210 ..............42,898 ..............29,681 ..............30,4698. 2010.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............59,840 ..............48,414 ..............28,307 ..............22,5179. 2011.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............65,285 ..............48,491 ..............44,574

10. 2012.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............70,601 ..............61,95011. 2013.............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ..............81,542

SCHEDULE P - PART 4R-SECTION 2 - PRODUCTS LIABILITY - CLAIMS-MADE1. Prior............... ..............39,469 ..............38,243 ..............35,825 ..............32,309 ..............30,238 ..............21,241 ..............17,513 ..............13,412 ..............14,211 ..............11,2532. 2004............. ..............17,187 ................7,777 ................7,487 ................4,767 ................5,258 ................2,613 ................1,911 ................1,976 ................2,438 ................1,9243. 2005............. ........XXX........... ................8,156 ................2,893 ................6,698 ................6,247 ................4,526 ...................944 ................1,023 ...................727 ...................6354. 2006............. ........XXX........... ........XXX........... ................7,432 ................7,282 ................3,644 ................4,734 ................2,317 ................1,788 ...................912 ...................6615. 2007............. ........XXX........... ........XXX........... ........XXX........... ................6,093 ................9,468 ................8,052 ................7,962 ................5,958 ...................669 ...................6446. 2008............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................4,776 ................8,230 ................6,425 ...................903 ...................426 ...................1817. 2009............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................5,690 ................5,215 ................4,972 ................2,109 ................2,2118. 2010............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................5,291 ................3,231 ................4,095 ................3,2289. 2011............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................6,066 ................1,932 ................1,041

10. 2012............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................7,514 ................7,13711. 2013............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ................7,337

SCHEDULE P - PART 4S - FINANCIAL GUARANTY/MORTGAGE GUARANTY1. Prior............... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .......................0 .......................0 .......................02. 2012............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .......................0 .......................03. 2013............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .......................0

SCHEDULE P - PART 4T - WARRANTY1. Prior............... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .......................0 .......................0 .......................02. 2012............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .......................0 .......................03. 2013............. ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... ........XXX........... .......................0

NONE

Page 64: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

72

SCHEDULE P - PART 5A - HOMEOWNERS/FARMOWNERSSECTION 1

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ............27,554 ..............3,934 ..............1,620 .................827 .................848 .................255 .................170 .................155 .................115 ...................42

2. 2004..................... ..........128,905 ..........154,500 ..........156,761 ..........157,484 ..........158,204 ..........158,374 ..........158,467 ..........158,532 ..........158,570 ..........158,590

3. 2005..................... ........XXX......... ..........122,681 ..........147,876 ..........149,619 ..........150,769 ..........151,286 ..........151,413 ..........151,924 ..........152,059 ..........152,106

4. 2006..................... ........XXX......... ........XXX......... ..........130,367 ..........150,456 ..........152,862 ..........153,512 ..........153,877 ..........154,053 ..........154,148 ..........154,206

5. 2007..................... ........XXX......... ........XXX......... ........XXX......... ..........116,083 ..........136,858 ..........138,860 ..........140,133 ..........140,522 ..........140,700 ..........140,812

6. 2008..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........172,925 ..........208,503 ..........211,604 ..........212,488 ..........212,891 ..........213,065

7. 2009..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........174,066 ..........210,292 ..........212,913 ..........213,702 ..........214,006

8. 2010..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........198,262 ..........230,059 ..........232,617 ..........233,360

9. 2011..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........297,656 ..........332,946 ..........335,579

10. 2012..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........215,581 ..........247,283

11. 2013..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........124,235

SECTION 2Number of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ..............8,571 ..............5,117 ..............3,673 ..............1,622 .................798 .................557 .................433 .................295 .................179 .................178

2. 2004................... ............17,996 ..............4,046 ..............1,613 ..............1,050 .................383 .................216 .................135 ...................74 ...................33 ...................26

3. 2005................... ........XXX......... ............20,414 ..............3,232 ..............2,206 ..............1,241 .................804 .................733 .................244 .................113 ...................69

4. 2006................... ........XXX......... ........XXX......... ............10,889 ..............2,580 ..............1,056 .................619 .................333 .................188 .................104 ...................66

5. 2007................... ........XXX......... ........XXX......... ........XXX......... ............12,137 ..............3,069 ..............1,809 .................704 .................358 .................210 .................112

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............14,985 ..............3,169 ..............1,358 .................680 .................328 .................173

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............16,186 ..............2,581 ..............1,104 .................522 .................323

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............14,469 ..............2,588 ..............1,086 .................597

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............16,273 ..............2,680 ..............1,334

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............13,322 ..............2,595

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............8,897

SECTION 3Cumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ............15,922 .................890 .................302 .................117 ...................89 ...................75 ...................85 ...................52 .................222 ...................69

2. 2004................... ..........171,186 ..........187,990 ..........187,951 ..........188,160 ..........188,237 ..........188,264 ..........188,291 ..........188,301 ..........188,313 ..........188,332

3. 2005................... ........XXX......... ..........162,580 ..........173,735 ..........174,536 ..........174,769 ..........174,892 ..........174,975 ..........175,003 ..........175,017 ..........175,027

4. 2006................... ........XXX......... ........XXX......... ..........156,121 ..........169,805 ..........170,823 ..........171,071 ..........171,195 ..........171,242 ..........171,264 ..........171,289

5. 2007................... ........XXX......... ........XXX......... ........XXX......... ..........140,008 ..........153,852 ..........154,765 ..........154,989 ..........155,056 ..........155,113 ..........155,142

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........203,512 ..........230,974 ..........232,458 ..........232,730 ..........232,823 ..........232,872

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........208,647 ..........234,619 ..........235,926 ..........236,179 ..........236,307

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........229,899 ..........252,542 ..........253,599 ..........253,885

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........332,605 ..........357,021 ..........358,420

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........240,608 ..........263,925

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........141,020

Page 65: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

73

SCHEDULE P - PART 5B - PRIVATE PASSENGER AUTO LIABILITY/MEDICALSECTION 1

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ..........107,665 ............34,183 ............16,390 ..............8,165 ..............7,301 ..............3,262 ..............2,783 ..............1,893 .................974 .................454

2. 2004..................... ..........122,949 ..........192,170 ..........207,200 ..........213,769 ..........217,010 ..........218,187 ..........219,108 ..........219,590 ..........219,921 ..........220,066

3. 2005..................... ........XXX......... ..........129,615 ..........195,549 ..........209,382 ..........215,489 ..........217,788 ..........219,377 ..........219,976 ..........220,396 ..........220,587

4. 2006..................... ........XXX......... ........XXX......... ..........134,309 ..........204,327 ..........218,847 ..........224,571 ..........227,770 ..........229,210 ..........230,039 ..........230,449

5. 2007..................... ........XXX......... ........XXX......... ........XXX......... ..........145,924 ..........221,183 ..........235,106 ..........241,840 ..........245,070 ..........246,644 ..........247,361

6. 2008..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........149,351 ..........219,972 ..........234,282 ..........240,121 ..........243,685 ..........245,234

7. 2009..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........147,109 ..........215,778 ..........229,669 ..........235,731 ..........238,805

8. 2010..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........142,143 ..........209,334 ..........223,265 ..........229,040

9. 2011..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........140,891 ..........205,799 ..........218,805

10. 2012..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........134,163 ..........192,120

11. 2013..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........116,655

SECTION 2Number of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ............84,343 ............48,476 ............30,968 ............22,150 ............13,966 ..............9,708 ..............6,003 ..............3,467 ..............2,161 ..............1,603

2. 2004................... ............85,018 ............28,177 ............13,535 ..............7,129 ..............3,716 ..............2,423 ..............1,395 .................804 .................408 .................230

3. 2005................... ........XXX......... ............75,666 ............25,095 ............11,848 ..............5,813 ..............3,355 ..............1,778 ..............1,180 .................714 .................470

4. 2006................... ........XXX......... ........XXX......... ............81,623 ............25,525 ............11,593 ..............6,198 ..............3,156 ..............1,662 .................868 .................459

5. 2007................... ........XXX......... ........XXX......... ........XXX......... ............90,265 ............25,968 ............13,246 ..............6,547 ..............3,237 ..............1,586 .................920

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............86,388 ............27,016 ............12,644 ..............6,892 ..............3,107 ..............1,572

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............91,880 ............25,710 ............12,056 ..............5,820 ..............2,631

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............83,815 ............24,748 ............10,902 ..............5,092

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............79,776 ............22,804 ............10,060

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............67,874 ............19,794

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............56,431

SECTION 3Cumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ............37,727 ..............4,133 ..............1,921 .................699 .................990 .................144 .................232 ...................79 ...................31 ...................45

2. 2004................... ..........260,664 ..........289,848 ..........292,356 ..........293,193 ..........293,455 ..........293,551 ..........293,674 ..........293,719 ..........293,732 ..........293,739

3. 2005................... ........XXX......... ..........255,708 ..........284,713 ..........286,946 ..........287,670 ..........287,820 ..........288,121 ..........288,208 ..........288,247 ..........288,252

4. 2006................... ........XXX......... ........XXX......... ..........261,406 ..........290,335 ..........292,492 ..........293,523 ..........294,096 ..........294,236 ..........294,461 ..........294,569

5. 2007................... ........XXX......... ........XXX......... ........XXX......... ..........286,117 ..........316,094 ..........319,085 ..........320,034 ..........320,319 ..........320,516 ..........320,708

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........287,610 ..........317,513 ..........319,312 ..........320,013 ..........320,321 ..........320,572

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........288,829 ..........310,228 ..........311,895 ..........312,443 ..........312,721

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........270,302 ..........292,720 ..........294,113 ..........294,635

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........260,322 ..........281,837 ..........283,187

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........232,623 ..........252,617

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........198,716

Page 66: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

74

SCHEDULE P - PART 5C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICALSECTION 1

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ............55,574 ............14,616 ..............6,606 .................763 ..............2,240 ..............1,038 ..............1,300 ..............1,326 ..............1,485 .................299

2. 2004..................... ............55,198 ............74,167 ............78,204 ............80,415 ............81,644 ............82,075 ............82,306 ............82,284 ............82,335 ............82,411

3. 2005..................... ........XXX......... ............44,973 ............60,824 ............64,923 ............66,999 ............67,937 ............68,340 ............68,529 ............68,632 ............68,732

4. 2006..................... ........XXX......... ........XXX......... ............37,386 ............53,340 ............57,297 ............59,037 ............60,002 ............60,463 ............60,640 ............60,825

5. 2007..................... ........XXX......... ........XXX......... ........XXX......... ............38,023 ............56,549 ............60,075 ............61,868 ............62,872 ............63,353 ............63,554

6. 2008..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............41,969 ............56,463 ............59,641 ............61,559 ............62,541 ............63,035

7. 2009..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............32,714 ............46,679 ............50,083 ............52,009 ............52,927

8. 2010..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............33,932 ............47,862 ............51,492 ............53,262

9. 2011..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............35,680 ............50,317 ............54,221

10. 2012..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............33,314 ............47,003

11. 2013..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............31,599

SECTION 2Number of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ............26,531 ............13,240 ............10,633 ..............6,311 ..............4,499 ..............3,647 ..............2,433 ..............1,299 ..............1,136 .................810

2. 2004................... ............23,907 ..............7,206 ..............5,296 ..............2,720 ..............1,253 .................647 .................327 .................196 .................150 ...................66

3. 2005................... ........XXX......... ............17,274 ..............9,478 ..............4,777 ..............2,443 ..............1,162 .................585 .................339 .................182 ...................73

4. 2006................... ........XXX......... ........XXX......... ............26,378 ..............8,968 ..............4,631 ..............2,435 ..............1,167 .................619 .................371 .................153

5. 2007................... ........XXX......... ........XXX......... ........XXX......... ............26,568 ..............8,947 ..............4,654 ..............2,351 ..............1,115 .................482 .................251

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............26,009 ..............8,874 ..............4,718 ..............2,420 ..............1,091 .................479

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............26,253 ..............8,732 ..............4,671 ..............2,212 ..............1,006

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............27,313 ..............9,137 ..............4,456 ..............2,303

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............29,236 ..............9,500 ..............4,897

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............25,569 ..............8,500

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............24,283

SECTION 3Cumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ............60,625 ..............7,679 ..............6,823 .............(2,464) ..............1,426 ..............1,398 .................728 .................547 ............12,951 ..............2,617

2. 2004................... ..........112,603 ..........123,874 ..........128,281 ..........128,792 ..........128,965 ..........128,874 ..........128,852 ..........128,774 ..........129,447 ..........129,481

3. 2005................... ........XXX......... ............91,879 ..........111,088 ..........112,195 ..........112,662 ..........112,548 ..........112,523 ..........112,569 ..........112,867 ..........112,891

4. 2006................... ........XXX......... ........XXX......... ............92,870 ..........100,934 ..........102,648 ..........102,694 ..........102,683 ..........102,728 ..........102,644 ..........102,688

5. 2007................... ........XXX......... ........XXX......... ........XXX......... ............94,179 ..........107,024 ..........107,286 ..........107,275 ..........107,313 ..........107,082 ..........107,129

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........102,198 ..........107,310 ..........107,263 ..........107,347 ..........107,024 ..........107,029

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............86,972 ............90,908 ............91,172 ............91,079 ............91,060

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............90,484 ............94,052 ............93,975 ............94,023

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............95,174 ............98,432 ............98,654

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............87,177 ............91,749

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............82,822

Page 67: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

75

SCHEDULE P - PART 5D - WORKERS' COMPENSATION(EXCLUDING EXCESS WORKERS' COMPENSATION)

SECTION 1Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ............72,005 ............24,714 ............21,907 ............21,989 ............12,088 ............22,993 ............12,864 ............11,048 ............13,505 ..............5,962

2. 2004..................... ............74,017 ..........113,530 ..........120,843 ..........124,063 ..........126,061 ..........127,181 ..........128,519 ..........129,222 ..........129,799 ..........130,202

3. 2005..................... ........XXX......... ............62,747 ............97,571 ..........102,953 ..........105,604 ..........107,281 ..........108,791 ..........109,704 ..........110,316 ..........110,932

4. 2006..................... ........XXX......... ........XXX......... ............55,725 ............85,117 ............89,803 ............92,101 ............93,978 ............95,110 ............95,683 ............96,442

5. 2007..................... ........XXX......... ........XXX......... ........XXX......... ............53,633 ............86,856 ............91,846 ............94,735 ............96,616 ............97,540 ............98,507

6. 2008..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............62,428 ............96,282 ..........101,763 ..........105,041 ..........106,584 ..........107,873

7. 2009..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............57,225 ............89,872 ............95,568 ............98,310 ..........100,073

8. 2010..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............60,106 ............97,465 ..........103,389 ..........106,289

9. 2011..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............69,466 ..........111,494 ..........118,119

10. 2012..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............70,744 ..........115,178

11. 2013..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............68,739

SECTION 2Number of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ............86,799 ............67,686 ............52,698 ............43,011 ............38,207 ............34,275 ............30,638 ............28,589 ............26,533 ............24,863

2. 2004................... ............38,938 ............15,277 ..............8,167 ..............4,805 ..............3,354 ..............2,562 ..............2,148 ..............1,890 ..............1,660 ..............1,440

3. 2005................... ........XXX......... ............33,373 ............11,843 ..............6,113 ..............3,888 ..............2,912 ..............2,488 ..............2,213 ..............2,038 ..............1,877

4. 2006................... ........XXX......... ........XXX......... ............31,012 ..............9,357 ..............5,345 ..............3,532 ..............2,646 ..............2,069 ..............1,727 ..............1,429

5. 2007................... ........XXX......... ........XXX......... ........XXX......... ............31,396 ............10,015 ..............5,806 ..............3,872 ..............2,845 ..............2,214 ..............1,814

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............32,055 ............10,900 ..............6,419 ..............4,235 ..............3,054 ..............2,320

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............31,679 ............11,418 ..............6,713 ..............4,547 ..............3,371

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............35,752 ............12,343 ..............7,168 ..............4,838

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............41,037 ............13,738 ..............8,115

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............44,448 ............14,086

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............45,756

SECTION 3Cumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ............51,346 ............13,023 ............19,378 ............15,009 ..............8,911 ............23,187 ............12,161 ............10,158 ............12,784 ..............7,585

2. 2004................... ..........144,194 ..........173,359 ..........178,583 ..........178,911 ..........179,557 ..........179,985 ..........180,857 ..........181,399 ..........181,899 ..........183,554

3. 2005................... ........XXX......... ..........121,357 ..........147,684 ..........147,747 ..........148,326 ..........149,170 ..........150,344 ..........151,094 ..........151,660 ..........153,744

4. 2006................... ........XXX......... ........XXX......... ..........111,630 ..........125,084 ..........125,957 ..........126,607 ..........127,689 ..........128,311 ..........128,626 ..........130,907

5. 2007................... ........XXX......... ........XXX......... ........XXX......... ..........104,203 ..........118,216 ..........119,229 ..........120,335 ..........121,296 ..........121,741 ..........122,648

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........102,268 ..........116,846 ..........118,103 ..........119,380 ..........119,880 ..........120,530

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............96,354 ..........110,634 ..........111,912 ..........112,659 ..........113,357

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........104,337 ..........121,053 ..........121,805 ..........122,543

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........120,975 ..........138,164 ..........139,531

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........126,110 ..........143,059

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..........125,529

Page 68: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

76

SCHEDULE P - PART 5E - COMMERCIAL MULTIPLE PERILSECTION 1

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ............31,261 ............11,768 ............17,057 ............11,781 ..............5,223 ..............4,655 ..............4,873 ..............3,916 ..............1,860 ..............1,709

2. 2004..................... ............30,742 ............43,501 ............46,857 ............48,948 ............50,195 ............50,956 ............51,327 ............51,539 ............51,728 ............51,806

3. 2005..................... ........XXX......... ............27,919 ............45,063 ............48,513 ............50,578 ............51,842 ............52,485 ............52,834 ............53,001 ............53,148

4. 2006..................... ........XXX......... ........XXX......... ............29,412 ............41,271 ............44,288 ............46,151 ............47,463 ............48,087 ............48,421 ............48,665

5. 2007..................... ........XXX......... ........XXX......... ........XXX......... ............28,749 ............41,415 ............44,653 ............46,721 ............48,043 ............48,740 ............49,131

6. 2008..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............33,739 ............48,636 ............51,623 ............53,614 ............54,894 ............55,564

7. 2009..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............31,242 ............44,320 ............47,416 ............49,443 ............50,675

8. 2010..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............35,194 ............48,918 ............52,323 ............54,466

9. 2011..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............44,571 ............58,920 ............62,507

10. 2012..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............37,088 ............50,223

11. 2013..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............27,231

SECTION 2Number of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ..........352,711 ..........345,889 ..........237,406 ..........192,437 ..........160,386 ..........134,788 ..........154,361 ..........139,870 ..........142,438 ..........140,269

2. 2004................... ............15,171 ..............5,876 ..............6,575 ..............5,035 ..............4,116 ..............3,692 ..............3,385 ..............2,985 ..............2,881 .................291

3. 2005................... ........XXX......... ............19,606 ..............6,963 ..............3,755 ..............2,576 ..............1,974 ..............1,842 ..............1,250 .................503 .................361

4. 2006................... ........XXX......... ........XXX......... ............13,729 ..............5,370 ..............8,830 ..............8,178 ..............9,177 ..............5,779 ..............5,580 .................949

5. 2007................... ........XXX......... ........XXX......... ........XXX......... ............13,239 ..............6,799 ..............4,587 ..............2,911 ..............1,865 ..............1,305 .................804

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............15,933 ..............6,129 ..............4,093 ..............2,534 ..............1,490 .................983

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............14,153 ..............6,131 ..............3,907 ..............2,446 ..............1,361

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............14,773 ..............6,383 ..............4,287 ..............2,830

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............15,644 ..............6,485 ..............4,383

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............13,504 ..............5,520

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............10,728

SECTION 3Cumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ..........162,533 ............92,198 ............45,339 ............10,772 ..............6,664 ............34,518 ............39,814 ............13,546 ............19,581 ............11,567

2. 2004................... ............71,613 ............84,676 ............90,794 ............92,180 ............92,883 ............93,671 ............93,910 ............94,047 ............94,629 ............94,833

3. 2005................... ........XXX......... ............73,171 ............91,728 ............93,322 ............94,775 ............96,058 ............97,478 ............98,045 ............98,289 ............98,370

4. 2006................... ........XXX......... ........XXX......... ............71,825 ............82,996 ............90,831 ............92,676 ............95,630 ............96,256 ............96,580 ............96,774

5. 2007................... ........XXX......... ........XXX......... ........XXX......... ............72,466 ............86,798 ............89,260 ............90,242 ............90,825 ............91,152 ............91,351

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............82,328 ............96,256 ............98,507 ............99,630 ..........100,199 ..........100,555

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............79,028 ............92,202 ............94,474 ............95,478 ............95,917

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............85,853 ............99,301 ..........101,846 ..........103,046

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............99,866 ..........112,341 ..........115,040

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............83,782 ............95,823

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............66,275

Page 69: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

77

SCHEDULE P - PART 5F - MEDICAL PROFESSIONAL LIABILITY - OCCURRENCESECTION 1A

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... .................502 .................364 .................163 .................545 .................368 .................225 ...................95 ...................95 ...................33 ...................18

2. 2004..................... .....................0 .....................2 .....................2 .....................4 .....................4 .....................5 .....................5 .....................5 .....................5 .....................5

3. 2005..................... ........XXX......... .....................0 .....................0 .....................2 .....................2 .....................2 .....................2 .....................2 .....................2 .....................2

4. 2006..................... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

5. 2007..................... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

6. 2008..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

7. 2009..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0

8. 2010..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0

9. 2011..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

10. 2012..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0

11. 2013..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0

SECTION 2ANumber of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ..............2,838 ..............1,965 ..............1,777 ..............1,000 .................598 .................288 .................193 ...................90 ...................52 ...................44

2. 2004................... .....................4 .....................7 .....................2 .....................1 .....................1 .....................0 .....................0 .....................0 .....................0 .....................0

3. 2005................... ........XXX......... .....................1 .....................2 .....................1 .....................1 .....................0 .....................0 .....................0 .....................0 .....................0

4. 2006................... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

5. 2007................... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0

SECTION 3ACumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... .................795 .................457 ...................74 ...................23 ...................43 ...................24 ...................25 ...................17 .....................7 ...................13

2. 2004................... .....................4 ...................13 .....................9 ...................10 ...................10 ...................10 ...................10 ...................10 ...................10 ...................10

3. 2005................... ........XXX......... .....................3 .....................4 .....................5 .....................5 .....................5 .....................5 .....................5 .....................5 .....................5

4. 2006................... ........XXX......... ........XXX......... .....................0 .....................0 .....................2 .....................2 .....................2 .....................2 .....................2 .....................2

5. 2007................... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................2 .....................2 .....................1 .....................1 .....................1 .....................1

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................1 .....................1 .....................1 .....................1

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0

Page 70: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

78

SCHEDULE P - PART 5F - MEDICAL PROFESSIONAL LIABILITY - CLAIMS-MADESECTION 1B

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ..............1,502 .................860 .................318 .................600 .................299 .................186 .................140 ...................75 ...................51 ...................27

2. 2004..................... ...................13 ...................44 ...................64 ...................73 ...................79 ...................80 ...................87 ...................87 ...................87 ...................87

3. 2005..................... ........XXX......... ...................10 ...................22 ...................31 ...................38 ...................41 ...................44 ...................44 ...................44 ...................44

4. 2006..................... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

5. 2007..................... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

6. 2008..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

7. 2009..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0

8. 2010..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................1 .....................2 .....................2 .....................2

9. 2011..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

10. 2012..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0

11. 2013..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0

SECTION 2BNumber of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ..............4,814 ..............2,809 ..............2,541 ..............1,019 .................656 .................421 .................232 .................146 ...................82 ...................57

2. 2004................... .................150 .................111 ...................51 ...................23 .....................6 .....................2 .....................0 .....................0 .....................0 .....................0

3. 2005................... ........XXX......... .................134 ...................52 ...................32 ...................14 .....................8 .....................4 .....................2 .....................1 .....................1

4. 2006................... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

5. 2007................... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................1 .....................0 .....................1 .....................0

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................2 .....................1

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0

SECTION 3BCumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ..............1,590 .................458 .................368 ................(703) ...................42 ...................16 ...................13 ...................12 .....................7 .....................6

2. 2004................... .................285 .................344 .................352 .................357 .................358 .................358 .................370 .................370 .................370 .................370

3. 2005................... ........XXX......... .................199 .................216 .................227 .................228 .................228 .................230 .................231 .................231 .................231

4. 2006................... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

5. 2007................... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................1 .....................1 .....................1 .....................1

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................2 .....................4 .....................5 .....................5

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................1 .....................1 .....................1

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................2 .....................2

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0

Page 71: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

79

SCHEDULE P - PART 5H - OTHER LIABILITY - OCCURRENCESECTION 1A

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ............46,775 ............29,341 ............20,538 ............18,035 ............13,216 ..............7,661 ..............7,650 ..............9,184 ............12,458 ..............9,266

2. 2004..................... ..............8,743 ............13,892 ............15,257 ............16,931 ............18,056 ............18,623 ............18,973 ............19,078 ............19,228 ............19,303

3. 2005..................... ........XXX......... ..............5,279 ..............7,950 ..............9,567 ............10,770 ............11,575 ............12,021 ............12,276 ............12,424 ............12,516

4. 2006..................... ........XXX......... ........XXX......... ..............2,931 ..............5,413 ..............6,529 ..............7,386 ..............7,942 ..............8,416 ..............8,645 ..............8,747

5. 2007..................... ........XXX......... ........XXX......... ........XXX......... ..............2,655 ..............4,918 ..............5,881 ..............6,695 ..............7,299 ..............7,646 ..............7,840

6. 2008..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,807 ..............4,825 ..............5,701 ..............6,577 ..............7,176 ..............7,562

7. 2009..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,732 ..............4,648 ..............5,553 ..............6,332 ..............6,888

8. 2010..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,992 ..............5,088 ..............6,068 ..............6,909

9. 2011..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,347 ..............5,612 ..............6,598

10. 2012..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,116 ..............5,093

11. 2013..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,974

SECTION 2ANumber of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... .......1,099,270 .......1,101,515 ..........953,213 ..........848,934 ..........817,152 ..........796,378 ..........809,323 ..........773,169 ..........765,305 ..........740,478

2. 2004................... ............12,877 ..............5,848 ..............4,101 ..............2,744 ..............1,618 .................967 ..............1,575 ..............1,341 ..............1,243 ..............1,186

3. 2005................... ........XXX......... ..............6,995 ..............4,215 ..............3,144 ..............2,107 ..............1,267 .................812 .................537 .................470 .................379

4. 2006................... ........XXX......... ........XXX......... ..............4,712 ..............3,273 ..............2,581 ..............1,849 ..............1,315 .................847 .................924 ..............1,220

5. 2007................... ........XXX......... ........XXX......... ........XXX......... ..............4,075 ..............2,758 ..............2,171 ..............1,610 .................999 .................591 .................369

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,749 ..............2,768 ..............3,679 ..............3,130 ..............2,535 ..............1,062

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,672 ..............2,857 ..............2,324 ..............1,636 ..............1,013

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,993 ..............2,739 ..............2,177 ..............1,384

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............4,106 ..............2,788 ..............2,208

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,367 ..............2,380

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,472

SECTION 3ACumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ..........280,429 ..........150,308 ............72,194 ............34,609 ............32,710 ............56,129 ..........148,611 ..........100,497 ............52,142 ............44,576

2. 2004................... ............36,890 ............43,798 ............44,991 ............46,488 ............47,033 ............47,152 ............48,354 ............48,377 ............49,289 ............49,382

3. 2005................... ........XXX......... ............21,402 ............25,035 ............27,089 ............27,983 ............28,292 ............28,563 ............28,653 ............29,394 ............29,442

4. 2006................... ........XXX......... ........XXX......... ............14,939 ............19,498 ............20,748 ............21,488 ............21,853 ............22,046 ............22,735 ............23,235

5. 2007................... ........XXX......... ........XXX......... ........XXX......... ............14,505 ............18,448 ............19,728 ............20,494 ............20,850 ............20,930 ............21,013

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............14,071 ............17,717 ............20,364 ............21,229 ............21,491 ............21,603

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............14,812 ............18,526 ............19,742 ............20,313 ............20,553

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............16,635 ............20,276 ............21,516 ............22,087

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............17,754 ............21,490 ............22,624

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............14,869 ............17,988

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ............14,376

Page 72: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

80

SCHEDULE P - PART 5H - OTHER LIABILITY - CLAIMS-MADESECTION 1B

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ..............2,803 ..............1,591 .................711 ..............1,056 .................400 .................240 .................229 .................166 ...................93 ...................75

2. 2004..................... .................386 ..............1,402 ..............1,958 ..............2,799 ..............3,083 ..............3,231 ..............3,336 ..............3,414 ..............3,438 ..............3,458

3. 2005..................... ........XXX......... .................375 ..............1,192 ..............2,701 ..............3,221 ..............3,459 ..............3,588 ..............3,690 ..............3,749 ..............3,778

4. 2006..................... ........XXX......... ........XXX......... .................513 ..............2,970 ..............3,936 ..............4,387 ..............4,624 ..............4,787 ..............4,932 ..............4,983

5. 2007..................... ........XXX......... ........XXX......... ........XXX......... ..............1,178 ..............2,705 ..............3,605 ..............4,105 ..............4,377 ..............4,518 ..............4,591

6. 2008..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................610 ..............2,229 ..............3,200 ..............3,763 ..............4,054 ..............4,244

7. 2009..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................764 ..............2,731 ..............3,985 ..............4,676 ..............5,031

8. 2010..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................853 ..............3,094 ..............4,333 ..............4,992

9. 2011..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................915 ..............3,064 ..............4,237

10. 2012..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................897 ..............3,101

11. 2013..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................861

SECTION 2BNumber of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ..............8,544 ..............5,049 ..............2,802 ..............1,883 ..............1,319 ..............1,011 .................738 .................554 .................429 .................356

2. 2004................... ..............5,712 ..............3,221 ..............1,572 .................896 .................500 .................294 .................177 .................109 ...................77 ...................56

3. 2005................... ........XXX......... ..............4,754 ..............2,577 ..............1,459 .................719 .................394 .................260 .................167 .................108 ...................56

4. 2006................... ........XXX......... ........XXX......... ..............4,032 ..............2,801 ..............1,543 .................969 .................708 .................541 .................333 .................276

5. 2007................... ........XXX......... ........XXX......... ........XXX......... ..............4,965 ..............2,410 ..............1,240 .................678 .................363 .................207 .................133

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,601 ..............1,990 ..............1,156 .................668 .................423 .................246

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,843 ..............2,288 ..............1,297 .................685 .................380

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,959 ..............2,353 ..............1,398 .................822

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,673 ..............2,032 ..............1,154

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,582 ..............1,966

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,506

SECTION 3BCumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ..............4,635 ..............1,603 .................112 ..............1,103 .................383 .................209 .................151 ...................82 ...................61 ...................66

2. 2004................... ..............8,880 ............10,900 ............10,702 ............11,503 ............11,635 ............11,691 ............11,723 ............11,759 ............11,778 ............11,785

3. 2005................... ........XXX......... ..............7,207 ..............6,839 ..............8,441 ..............8,609 ..............8,653 ..............8,695 ..............8,729 ..............8,749 ..............8,757

4. 2006................... ........XXX......... ........XXX......... ..............5,269 ..............9,546 ............10,304 ............10,429 ............10,489 ............10,528 ............10,550 ............10,557

5. 2007................... ........XXX......... ........XXX......... ........XXX......... ..............9,069 ............10,029 ............10,343 ............10,477 ............10,535 ............10,570 ............10,582

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,840 ..............5,409 ..............5,785 ..............5,943 ..............6,021 ..............6,044

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,919 ..............5,846 ..............6,291 ..............6,439 ..............6,511

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............4,072 ..............6,159 ..............6,637 ..............6,776

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,839 ..............5,720 ..............6,135

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,733 ..............5,688

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,635

Page 73: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

81

SCHEDULE P - PART 5R - PRODUCTS LIABILITY - OCCURRENCESECTION 1A

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ............10,956 ..............8,079 ..............6,104 ..............6,971 ..............9,728 ............15,389 ..............6,761 ..............7,664 ..............9,832 ..............5,203

2. 2004..................... ..............1,567 ..............2,282 ..............2,515 ..............2,893 ..............3,191 ..............3,407 ..............3,674 ..............3,828 ..............3,987 ..............4,240

3. 2005..................... ........XXX......... .................705 ..............1,028 ..............1,320 ..............1,595 ..............1,818 ..............1,957 ..............2,058 ..............2,138 ..............2,332

4. 2006..................... ........XXX......... ........XXX......... .................288 .................626 .................852 ..............1,073 ..............1,258 ..............1,405 ..............1,524 ..............1,716

5. 2007..................... ........XXX......... ........XXX......... ........XXX......... .................269 .................639 .................881 ..............1,113 ..............1,308 ..............1,465 ..............1,590

6. 2008..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................274 .................694 .................948 ..............1,190 ..............1,433 ..............1,624

7. 2009..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................451 ..............1,005 ..............1,279 ..............1,490 ..............1,688

8. 2010..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................888 ..............1,450 ..............1,680 ..............1,945

9. 2011..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................418 .................814 ..............1,053

10. 2012..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................449 .................818

11. 2013..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................236

SECTION 2ANumber of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ..........915,877 ..........894,496 ..........887,195 ..........748,919 ..........710,067 ..........767,248 ..........930,067 ..........829,663 ..........787,782 ..........797,168

2. 2004................... ..............1,945 ..............1,405 ..............1,280 ..............1,110 .................876 .................775 .................969 .................921 .................947 .................604

3. 2005................... ........XXX......... ..............1,302 ..............1,090 .................991 .................791 .................627 .................531 .................481 .................421 .................244

4. 2006................... ........XXX......... ........XXX......... .................994 .................999 .................891 .................786 .................635 .................540 .................443 .................277

5. 2007................... ........XXX......... ........XXX......... ........XXX......... ..............1,033 .................952 .................831 .................697 .................517 .................414 .................335

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............1,078 .................997 .................933 .................736 .................516 .................401

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............1,141 .................947 .................750 .................634 .................506

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............1,214 .................924 .................850 .................769

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................980 .................827 .................651

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................838 ..............1,176

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .................596

SECTION 3ACumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ..........271,179 ..........140,064 ............70,826 ............23,529 ............25,663 ..........147,133 ..........238,504 ................(559) ............48,993 ............40,154

2. 2004................... ..............7,506 ..............9,436 ..............9,881 ............10,469 ............10,766 ............11,031 ............11,615 ............11,821 ............12,175 ............12,377

3. 2005................... ........XXX......... ..............3,177 ..............3,943 ..............4,504 ..............4,800 ..............5,026 ..............5,223 ..............5,360 ..............5,484 ..............5,611

4. 2006................... ........XXX......... ........XXX......... ..............2,109 ..............3,142 ..............3,535 ..............3,783 ..............3,965 ..............4,115 ..............4,239 ..............4,374

5. 2007................... ........XXX......... ........XXX......... ........XXX......... ..............2,086 ..............3,050 ..............3,447 ..............3,794 ..............3,960 ..............4,121 ..............4,237

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,076 ..............3,122 ..............3,699 ..............3,981 ..............4,165 ..............4,299

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,560 ..............3,814 ..............4,264 ..............4,524 ..............4,718

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............3,358 ..............4,526 ..............4,990 ..............5,322

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,558 ..............3,561 ..............3,945

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............2,373 ..............3,716

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ..............1,459

Page 74: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

82

SCHEDULE P - PART 5R - PRODUCTS LIABILITY - CLAIMS-MADESECTION 1B

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ...................32 ...................32 ...................10 ...................42 ...................37 .....................5 .....................7 .....................1 .....................4 .....................5

2. 2004..................... .....................2 .....................4 .....................8 ...................13 ...................17 ...................19 ...................22 ...................22 ...................22 ...................23

3. 2005..................... ........XXX......... .....................2 .....................3 .....................7 .....................7 ...................16 ...................18 ...................18 ...................19 ...................19

4. 2006..................... ........XXX......... ........XXX......... .....................0 .....................1 .....................2 .....................3 .....................4 .....................6 .....................8 ...................11

5. 2007..................... ........XXX......... ........XXX......... ........XXX......... .....................1 .....................5 ...................10 ...................13 ...................16 ...................20 ...................20

6. 2008..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................1 .....................3 .....................4 .....................6 .....................6 ...................10

7. 2009..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................1 .....................2 .....................3 .....................8 ...................10

8. 2010..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................3 .....................7 ...................17 ...................23

9. 2011..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................5 ...................13

10. 2012..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................1 .....................4

11. 2013..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................2

SECTION 2BNumber of Claims Outstanding Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... .................161 .................120 ...................93 ...................48 ...................36 ...................37 ...................30 ..............7,082 ...................21 ...................11

2. 2004................... ...................27 ...................29 ...................14 ...................10 .....................8 .....................6 .....................3 .....................1 .....................1 .....................0

3. 2005................... ........XXX......... ...................16 ...................11 ...................12 ...................13 .....................5 .....................1 .....................1 .....................0 .....................1

4. 2006................... ........XXX......... ........XXX......... ...................11 ...................11 ...................11 .....................5 .....................8 .....................6 .....................4 .....................3

5. 2007................... ........XXX......... ........XXX......... ........XXX......... ...................15 ...................12 ...................14 ...................11 .....................7 .....................3 .....................7

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................33 ...................27 ...................18 ...................17 ...................17 ...................17

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................31 ...................21 ...................19 ...................13 ...................17

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................32 ...................26 ...................18 ...................24

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................40 ...................21 ...................13

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................24 ...................20

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................26

SECTION 3BCumulative Number of Claims Reported Direct and Assumed at Year End

Years in Which 1 2 3 4 5 6 7 8 9 10 Premiums Were Earned

and Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... .................137 ...................21 .....................1 ...................24 ...................33 ...................15 .................108 ..............7,062 ...................32 .....................3

2. 2004................... ...................47 ...................57 ...................50 ...................56 ...................63 ...................64 ...................67 ...................67 ...................67 ...................67

3. 2005................... ........XXX......... ...................21 ...................26 ...................32 ...................34 ...................35 ...................34 ...................34 ...................34 ...................35

4. 2006................... ........XXX......... ........XXX......... ...................15 ...................19 ...................21 ...................22 ...................26 ...................27 ...................28 ...................30

5. 2007................... ........XXX......... ........XXX......... ........XXX......... ...................21 ...................25 ...................37 ...................40 ...................41 ...................41 ...................45

6. 2008................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................38 ...................48 ...................49 ...................54 ...................57 ...................61

7. 2009................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................41 ...................44 ...................51 ...................54 ...................61

8. 2010................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................53 ...................60 ...................67 ...................80

9. 2011................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................52 ...................63 ...................70

10. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................56 ...................66

11. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ...................38

Page 75: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

83

SCHEDULE P - PART 5T - WARRANTYSECTION 1

Cumulative Number of Claims Closed with Loss Payment Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

2. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0

3. 2013..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0

NONE

SCHEDULE P - PART 5T - WARRANTYSECTION 2

Number of Claims Outstanding Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

2. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0

3. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0

NONE

SCHEDULE P - PART 5T - WARRANTYSECTION 3

Cumulative Number of Claims Reported Direct and Assumed at Year EndYears in Which 1 2 3 4 5 6 7 8 9 10

Premiums Were Earnedand Losses Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior..................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

2. 2012................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0

3. 2013................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0NONE

Page 76: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

84

SCHEDULE P - PART 6C - COMMERCIAL AUTO/TRUCK LIABILITY/MEDICALSECTION 1

Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ........213,826 ..........40,884 ........(24,451) ............9,314 ..........(1,210) ...............419 ............6,180 ............2,138 ............8,218 ...............691 ...............6912. 2004............................. .....1,832,777 .....2,031,330 .....2,058,212 .....2,053,705 .....2,050,462 .....2,049,883 .....2,051,862 .....2,051,616 .....2,051,656 .....2,051,652 .................(4)3. 2005............................. ......XXX......... .....1,783,830 .....1,896,012 .....1,906,373 .....1,898,009 .....1,898,432 .....1,897,963 .....1,897,635 .....1,897,502 .....1,897,484 ...............(18)4. 2006............................. ......XXX......... ......XXX......... .....1,692,956 .....1,737,736 .....1,735,397 .....1,735,796 .....1,733,406 .....1,732,790 .....1,732,642 .....1,732,402 .............(240)5. 2007............................. ......XXX......... ......XXX......... ......XXX......... .....1,805,766 .....1,813,338 .....1,818,919 .....1,810,666 .....1,811,195 .....1,810,859 .....1,811,180 ...............3216. 2008............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,679,087 .....1,692,486 .....1,695,214 .....1,694,312 .....1,695,274 .....1,695,712 ...............4397. 2009............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,636,713 .....1,635,073 .....1,631,367 .....1,629,177 .....1,631,012 ............1,8358. 2010............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,601,333 .....1,617,600 .....1,624,052 .....1,620,988 ..........(3,064)9. 2011............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,590,104 .....1,674,187 .....1,680,980 ............6,79310. 2012............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,510,580 .....1,533,519 ..........22,93911. 2013............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,544,183 .....1,544,18312. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,573,87513. Earned Prems.(P-Pt 1). .....2,046,599 .....2,023,262 .....1,807,568 .....1,865,713 .....1,671,507 .....1,656,355 .....1,599,466 .....1,603,242 .....1,607,526 .....1,573,875 .......XXX........

SECTION 2Cumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ........102,525 ..........19,019 ..........(5,512) .............(538) ............1,197 ...............(31) ...............468 .................29 .................(3) ...............(21) ...............(21)2. 2004............................ ........249,964 ........346,206 ........371,274 ........369,883 ........371,479 ........371,523 ........371,324 ........371,325 ........371,362 ........371,290 ...............(72)3. 2005............................ ......XXX......... ........168,294 ........183,149 ........181,244 ........182,753 ........182,897 ........182,669 ........182,865 ........182,788 ........182,788 .................(0)4. 2006............................ ......XXX......... ......XXX......... ........163,089 ........173,561 ........176,305 ........178,237 ........180,497 ........180,702 ........180,619 ........180,619 ...................05. 2007............................ ......XXX......... ......XXX......... ......XXX......... ........240,635 ........232,666 ........238,350 ........244,267 ........244,446 ........244,152 ........244,167 .................156. 2008............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........122,933 ..........79,444 ..........78,802 ..........79,041 ..........78,205 ..........78,204 .................(1)7. 2009............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........134,258 ........141,676 ........141,871 ........141,873 ........141,873 .................(0)8. 2010............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........61,038 ..........66,087 ..........66,063 ..........66,075 .................139. 2011............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........49,267 ..........49,964 ..........50,065 ...............10110. 2012............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........62,661 ..........63,693 ............1,03211. 2013............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........67,343 ..........67,34312. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........68,40913. Earned Prems.(P-Pt 1). ........352,487 ........283,555 ........197,500 ........247,271 ........122,012 ..........98,538 ..........76,037 ..........55,360 ..........62,081 ..........68,409 .......XXX........

SCHEDULE P - PART 6D - WORKERS' COMPENSATION(EXCLUDING EXCESS WORKERS' COMPENSATION)

SECTION 1Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ........228,736 ........(13,956) ........(85,085) ............3,464 ........(31,660) ..........15,947 ..........(6,890) ............9,955 ........(11,690) ..........16,657 ..........16,6572. 2004............................ .....2,844,380 .....3,155,493 .....3,157,907 .....3,152,303 .....3,130,874 .....3,129,779 .....3,121,979 .....3,124,123 .....3,121,959 .....3,119,153 ..........(2,805)3. 2005............................ ......XXX......... .....2,708,259 .....2,844,239 .....2,858,514 .....2,883,680 .....2,873,731 .....2,875,129 .....2,873,759 .....2,870,237 .....2,869,791 .............(447)4. 2006............................ ......XXX......... ......XXX......... .....2,755,482 .....2,850,708 .....2,842,611 .....2,852,088 .....2,834,702 .....2,829,913 .....2,824,928 .....2,825,172 ...............2445. 2007............................ ......XXX......... ......XXX......... ......XXX......... .....2,945,707 .....3,011,737 .....2,994,244 .....2,958,335 .....2,955,462 .....2,954,705 .....2,954,534 .............(170)6. 2008............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....2,900,424 .....2,914,745 .....2,906,988 .....2,899,086 .....2,893,687 .....2,895,801 ............2,1147. 2009............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....2,821,466 .....2,847,938 .....2,849,828 .....2,835,655 .....2,839,318 ............3,6638. 2010............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....2,849,260 .....2,925,653 .....2,929,638 .....2,926,468 ..........(3,169)9. 2011............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....3,130,061 .....3,284,883 .....3,299,927 ..........15,04510. 2012............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....3,506,648 .....3,665,706 ........159,05811. 2013............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....3,898,975 .....3,898,97512. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....4,089,16413. Earned Prems.(P-Pt 1). .....3,073,119 .....3,005,419 .....2,808,788 .....3,053,066 .....2,930,432 .....2,832,673 .....2,801,385 .....3,203,509 .....3,622,764 .....4,089,164 .......XXX........

SECTION 2Cumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ........236,325 ..........31,147 ...............426 ..........(1,519) ............5,517 ..........(3,323) ............1,722 ...............933 ...............367 ............1,024 ............1,0242. 2004............................ ........692,124 ........940,062 ........970,285 ........971,362 ........966,878 ........966,320 ........964,145 ........964,181 ........964,171 ........964,174 ...................43. 2005............................ ......XXX......... ........689,689 ........806,791 ........813,558 ........812,967 ........812,116 ........812,373 ........812,712 ........812,730 ........812,839 ...............1094. 2006............................ ......XXX......... ......XXX......... ........674,038 ........770,503 ........786,341 ........789,887 ........800,799 ........800,695 ........800,890 ........800,920 .................305. 2007............................ ......XXX......... ......XXX......... ......XXX......... ........701,964 ........718,446 ........722,604 ........745,583 ........745,138 ........745,223 ........745,318 .................946. 2008............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........487,622 ........480,351 ........479,605 ........479,842 ........479,574 ........479,689 ...............1147. 2009............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........347,024 ........366,421 ........367,753 ........367,650 ........367,246 .............(404)8. 2010............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........227,774 ........228,677 ........230,269 ........230,543 ...............2749. 2011............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........270,696 ........294,785 ........295,853 ............1,06810. 2012............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........340,306 ........384,377 ..........44,07111. 2013............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........442,831 ........442,83112. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........489,21813. Earned Prems.(P-Pt 1). ........928,445 ........968,774 ........821,787 ........804,752 ........520,387 ........342,726 ........280,117 ........273,927 ........366,271 ........489,218 .......XXX........

Page 77: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

85

SCHEDULE P - PART 6E - COMMERCIAL MULTIPLE PERILSECTION 1

Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ..........91,232 ..........(1,419) .............(295) ...............(78) .............(112) ...............(65) ...................1 ...................0 .................(0) ...............(31) ...............(31)2. 2004............................. .....3,057,348 .....3,100,755 .....3,100,476 .....3,100,357 .....3,100,178 .....3,100,110 .....3,100,111 .....3,100,255 .....3,100,255 .....3,100,233 ...............(21)3. 2005............................. ......XXX......... .....2,966,596 .....2,973,837 .....2,972,852 .....2,972,516 .....2,972,467 .....2,972,452 .....2,972,494 .....2,972,493 .....2,972,493 ...................04. 2006............................. ......XXX......... ......XXX......... .....3,160,092 .....3,158,058 .....3,155,413 .....3,155,080 .....3,154,980 .....3,154,967 .....3,154,965 .....3,154,965 ...................15. 2007............................. ......XXX......... ......XXX......... ......XXX......... .....3,228,513 .....3,210,127 .....3,206,354 .....3,205,989 .....3,205,958 .....3,205,940 .....3,205,944 ...................46. 2008............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....3,111,274 .....3,081,049 .....3,074,818 .....3,074,524 .....3,074,483 .....3,074,472 ...............(12)7. 2009............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....3,018,129 .....2,987,114 .....2,983,336 .....2,983,092 .....2,983,048 ...............(43)8. 2010............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....3,070,037 .....3,115,715 .....3,123,417 .....3,123,560 ...............1439. 2011............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....3,149,835 .....3,193,125 .....3,200,765 ............7,64010. 2012............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....3,153,688 .....3,187,576 ..........33,88811. 2013............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....3,151,119 .....3,151,11912. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....3,192,68913. Earned Prems.(P-Pt 1). .....3,148,514 .....3,008,519 .....3,166,756 .....3,225,294 .....3,089,614 .....2,983,615 .....3,032,313 .....3,191,582 .....3,204,374 .....3,192,689 .......XXX........

SECTION 2Cumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ..........20,223 ..........(1,337) .................70 ...............139 ...............218 .............(150) ...............(68) .............(767) .............(842) ...............(25) ...............(25)2. 2004............................ ........214,890 ........223,289 ........223,275 ........223,598 ........223,572 ........223,563 ........223,582 ........223,563 ........223,657 ........223,582 ...............(76)3. 2005............................ ......XXX......... ........207,869 ........206,362 ........206,608 ........206,484 ........205,630 ........204,593 ........204,094 ........203,898 ........203,399 .............(500)4. 2006............................ ......XXX......... ......XXX......... ........215,873 ........218,125 ........218,071 ........218,090 ........217,878 ........217,878 ........217,777 ........217,777 ...................05. 2007............................ ......XXX......... ......XXX......... ......XXX......... ........251,340 ........254,165 ........253,964 ........253,870 ........253,869 ........253,848 ........253,848 ...................06. 2008............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........228,551 ........230,201 ........230,131 ........230,668 ........230,672 ........230,673 ...................17. 2009............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........229,116 ........229,281 ........230,009 ........230,018 ........229,929 ...............(88)8. 2010............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........223,858 ........225,404 ........225,490 ........225,417 ...............(73)9. 2011............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........214,571 ........213,082 ........212,847 .............(235)10. 2012............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........212,448 ........213,919 ............1,47011. 2013............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........210,393 ........210,39312. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........210,86713. Earned Prems.(P-Pt 1). ........235,110 ........214,933 ........214,426 ........254,296 ........231,388 ........229,565 ........222,560 ........216,096 ........209,992 ........210,867 .......XXX........

SCHEDULE P - PART 6H - OTHER LIABILITY - OCCURRENCESECTION 1A

Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ........663,187 ..........37,386 ..........69,559 ............2,599 ..........(7,096) ............9,453 ........(14,988) ............4,243 ..........(2,983) ............7,044 ............7,0442. 2004............................ .....1,388,987 .....1,655,048 .....1,666,934 .....1,666,180 .....1,666,785 .....1,666,377 .....1,668,324 .....1,667,602 .....1,668,955 .....1,664,754 ..........(4,201)3. 2005............................ ......XXX......... .....1,888,863 .....1,946,158 .....1,961,648 .....1,951,946 .....1,952,970 .....1,948,913 .....1,947,047 .....1,947,303 .....1,946,841 .............(462)4. 2006............................ ......XXX......... ......XXX......... .....2,096,357 .....2,179,546 .....2,191,000 .....2,191,948 .....2,187,449 .....2,187,147 .....2,187,253 .....2,187,046 .............(206)5. 2007............................ ......XXX......... ......XXX......... ......XXX......... .....2,174,213 .....2,250,568 .....2,255,685 .....2,258,431 .....2,259,534 .....2,259,434 .....2,259,303 .............(131)6. 2008............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....2,032,045 .....2,060,586 .....2,061,047 .....2,060,879 .....2,061,801 .....2,062,253 ...............4537. 2009............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,936,970 .....1,974,538 .....1,972,730 .....1,972,509 .....1,972,639 ...............1308. 2010............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,794,950 .....1,759,337 .....1,767,641 .....1,768,394 ...............7539. 2011............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,849,996 .....1,883,771 .....1,890,071 ............6,30110. 2012............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,787,726 .....1,816,473 ..........28,74711. 2013............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,824,007 .....1,824,00712. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,862,43613. Earned Prems.(P-Pt 1). .....2,051,442 .....2,192,309 .....2,235,098 .....2,274,733 .....2,103,660 .....1,981,642 .....1,814,125 .....1,814,862 .....1,829,138 .....1,862,437 .......XXX........

SECTION 2ACumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ........335,044 ..........32,273 ..........(6,064) ............3,857 ........(15,608) ..........(1,317) ........(14,441) ...............166 ............2,134 ...............364 ...............3642. 2004............................ ...............262 ........110,331 ........120,169 ........120,414 ........120,616 ........120,773 ........120,782 ........120,204 ........120,251 ........121,631 ............1,3803. 2005............................ ......XXX......... ........266,496 ........247,589 ........247,740 ........250,796 ........255,429 ........259,998 ........261,352 ........261,427 ........261,954 ...............5274. 2006............................ ......XXX......... ......XXX......... ........407,861 ........416,611 ........416,268 ........415,970 ........421,292 ........420,799 ........420,902 ........420,903 ...................05. 2007............................ ......XXX......... ......XXX......... ......XXX......... ........446,373 ........428,003 ........429,091 ........429,268 ........428,760 ........428,563 ........428,572 ...................86. 2008............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........278,207 ........276,619 ........276,431 ........276,206 ........277,062 ........277,055 .................(7)7. 2009............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........178,648 ........187,688 ........187,678 ........187,802 ........187,348 .............(453)8. 2010............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........131,528 ........130,856 ........131,803 ........132,500 ...............6979. 2011............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........144,259 ........150,452 ........150,543 .................9210. 2012............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........146,887 ........151,683 ............4,79611. 2013............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........153,614 ........153,61412. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........161,01913. Earned Prems.(P-Pt 1). ........335,303 ........408,839 ........392,722 ........459,373 ........247,144 ........181,326 ........136,017 ........143,294 ........157,167 ........161,020 .......XXX........

Page 78: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

86

SCHEDULE P - PART 6H - OTHER LIABILITY - CLAIMS-MADESECTION 1B

Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ........285,456 ...............160 ............4,820 ...............304 .............(398) ...............296 ...............775 ...............125 .............(209) ...................9 ...................92. 2004............................. .....1,151,460 .....1,153,858 .....1,156,475 .....1,156,424 .....1,156,407 .....1,156,407 .....1,156,321 .....1,156,324 .....1,156,324 .....1,156,324 ...................03. 2005............................. ......XXX......... .....1,223,443 .....1,223,642 .....1,223,587 .....1,223,490 .....1,223,491 .....1,223,457 .....1,223,457 .....1,223,385 .....1,223,385 ...................04. 2006............................. ......XXX......... ......XXX......... .....1,191,710 .....1,190,548 .....1,189,853 .....1,189,824 .....1,188,898 .....1,188,898 .....1,188,826 .....1,188,823 .................(3)5. 2007............................. ......XXX......... ......XXX......... ......XXX......... .....1,423,317 .....1,256,573 .....1,256,311 .....1,255,848 .....1,255,844 .....1,255,792 .....1,255,788 .................(4)6. 2008............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,291,832 .....1,292,143 .....1,292,190 .....1,292,201 .....1,292,113 .....1,292,049 ...............(64)7. 2009............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,181,786 .....1,182,992 .....1,182,995 .....1,182,965 .....1,182,930 ...............(35)8. 2010............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,185,835 .....1,186,056 .....1,185,955 .....1,185,933 ...............(22)9. 2011............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,207,074 .....1,207,412 .....1,207,596 ...............18510. 2012............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,300,136 .....1,299,907 .............(229)11. 2013............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,380,573 .....1,380,57312. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... .....1,380,41113. Earned Prems.(P-Pt 1). .....1,436,921 .....1,226,006 .....1,199,349 .....1,422,356 .....1,123,878 .....1,182,104 .....1,186,359 .....1,207,432 .....1,299,851 .....1,380,411 .......XXX........

SECTION 2BCumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ........227,629 ..........22,160 ............3,014 ...............151 ..........(3,249) .............(701) .............(329) .............(162) ............1,295 ...............196 ...............1962. 2004............................ ........216,490 ........218,493 ........220,309 ........220,491 ........221,464 ........221,715 ........221,739 ........221,715 ........221,715 ........221,715 ...................03. 2005............................ ......XXX......... ........167,246 ........200,338 ........202,253 ........202,351 ........202,367 ........202,483 ........202,487 ........202,487 ........202,487 ...................04. 2006............................ ......XXX......... ......XXX......... ........122,489 ........166,514 ........168,886 ........169,274 ........171,516 ........171,488 ........171,488 ........171,488 ...................05. 2007............................ ......XXX......... ......XXX......... ......XXX......... ........362,224 ........270,192 ........270,217 ........270,549 ........269,467 ........269,425 ........269,425 ...................06. 2008............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........253,134 ........321,873 ........321,604 ........320,653 ........320,391 ........320,391 ...................07. 2009............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........130,708 ........180,810 ........181,206 ........181,143 ........181,254 ...............1128. 2010............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........199,680 ........242,963 ........242,489 ........242,585 .................969. 2011............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........263,238 ........301,618 ........302,320 ...............70210. 2012............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........338,774 ........375,558 ..........36,78511. 2013............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........381,668 ........381,66812. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........419,55913. Earned Prems.(P-Pt 1). ........444,117 ........191,411 ........160,409 ........408,497 ........161,300 ........199,428 ........251,901 ........304,676 ........377,607 ........419,559 .......XXX........

SCHEDULE P - PART 6M - INTERNATIONALSECTION 1

Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ...................2 ............6,030 .............(158) ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................02. 2004............................ ........293,207 ........293,207 ........293,207 ........293,207 ........293,207 ........293,207 ........293,207 ........293,207 ........293,207 ........293,207 ...................03. 2005............................ ......XXX......... ..........23,360 ..........23,803 ..........23,803 ..........23,803 ..........23,803 ..........23,803 ..........23,803 ..........23,803 ..........23,803 ...................04. 2006............................ ......XXX......... ......XXX......... ..........(7,087) ..........(6,989) ..........(6,989) ..........(6,989) ..........(6,989) ..........(6,989) ..........(6,989) ..........(6,989) ...................05. 2007............................ ......XXX......... ......XXX......... ......XXX......... ............2,813 ............9,194 ............9,194 ............9,194 ............9,194 ............9,194 ............9,194 ...................06. 2008............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............1,972 ............2,182 ............2,182 ............2,182 ............2,182 ............2,182 ...................07. 2009............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............9,382 ............9,956 ............9,956 ............9,956 ............9,956 ...................08. 2010............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............3,294 ............3,468 ............3,468 ............3,468 ...................09. 2011............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............4,389 ............4,480 ............4,480 ...................010. 2012............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............3,679 ............4,799 ............1,12111. 2013............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............3,011 ............3,01112. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............4,13113. Earned Prems.(P-Pt 1). ........293,207 ..........29,389 ..........(6,808) ............2,910 ............8,353 ............9,592 ............3,868 ............4,562 ............3,770 ............4,131 .......XXX........

SECTION 2Cumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................02. 2004............................ .................(0) .................(0) .................(0) .................(0) .................(0) .................(0) .................(0) .................(0) .................(0) .................(0) ...................03. 2005............................ ......XXX......... ...................8 ...................8 ...................8 ...................8 ...................8 ...................8 ...................8 ...................8 ...................8 ...................04. 2006............................ ......XXX......... ......XXX......... ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................05. 2007............................ ......XXX......... ......XXX......... ......XXX......... ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................06. 2008............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................07. 2009............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ...................0 ...................0 ...................0 ...................0 ...................0 ...................08. 2010............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ...................0 ...................0 ...................0 ...................0 ...................09. 2011............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ...................0 ...................0 ...................0 ...................010. 2012............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ...................0 ...................0 ...................011. 2013............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ...................0 ...................012. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ...................013. Earned Prems.(P-Pt 1). ...................0 ...................8 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 .......XXX........

Page 79: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

87

SCHEDULE P - PART 6N - REINSURANCENONPROPORTIONAL ASSUMED PROPERTY

SECTION 1Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ..........92,193 ............1,918 .................10 ............1,490 ...............556 .................35 .................77 .................26 .................29 .................23 .................232. 2004............................. ............5,402 ............6,013 ............6,011 ............6,011 ............6,011 ............6,011 ............6,011 ............6,011 ............6,011 ............6,011 ...................03. 2005............................. ......XXX......... ............2,246 ............2,871 ............3,391 ............3,391 ............3,391 ............3,391 ............3,391 ............3,391 ............3,391 ...................04. 2006............................. ......XXX......... ......XXX......... ............6,880 ............7,111 ............7,082 ............7,082 ............7,082 ............7,082 ............7,082 ............7,082 ...................05. 2007............................. ......XXX......... ......XXX......... ......XXX......... ..........16,634 ..........16,805 ..........16,806 ..........16,806 ..........16,806 ..........16,806 ..........16,806 ...................06. 2008............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............3,395 ............3,537 ............3,537 ............3,537 ............3,537 ............3,537 ...................07. 2009............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............1,330 ............1,522 ............1,522 ............1,522 ............1,522 ...................08. 2010............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........(1,145) .............(416) .............(416) .............(453) ...............(37)9. 2011............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........16,838 ..........17,204 ..........17,204 ...................010. 2012............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........28,846 ..........29,082 ...............23511. 2013............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........40,478 ..........40,47812. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........40,69913. Earned Prems.(P-Pt.1). ..........97,601 ............4,775 ............7,511 ..........18,874 ............4,089 ............1,512 .............(871) ..........17,596 ..........29,241 ..........40,699 .......XXX........

SECTION 2Cumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ..........39,764 ..........(3,020) ...............567 ...............398 ...............593 ...............119 .................19 ...............502 ...............(21) .................(1) .................(1)2. 2004............................ ..........11,317 ..........11,317 ..........11,317 ..........11,317 ..........11,317 ..........11,317 ..........11,317 ..........11,317 ..........11,317 ..........11,317 ...................03. 2005............................ ......XXX......... ...............576 ...............576 ...............576 ...............576 ...............576 ...............576 ...............576 ...............576 ...............576 ...................04. 2006............................ ......XXX......... ......XXX......... ............1,641 ............1,641 ............1,641 ............1,641 ............1,641 ............1,641 ............1,641 ............1,641 ...................05. 2007............................ ......XXX......... ......XXX......... ......XXX......... ...............848 ...............848 ...............849 ...............849 ...............849 ...............849 ...............849 ...................06. 2008............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ...............845 ...............845 ...............845 ...............845 ...............845 ...............845 ...................07. 2009............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ...............721 ...............721 ...............721 ...............721 ...............721 ...................08. 2010............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ...............907 ...............907 ...............907 ...............907 ...................09. 2011............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ...............976 ............1,230 ............1,230 ...................010. 2012............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............1,394 ............1,394 ...................011. 2013............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............1,238 ............1,23812. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............1,23713. Earned Prems.(P-Pt.1). ..........51,082 ..........(2,440) ............2,208 ............1,248 ............1,436 ...............842 ...............930 ............1,479 ............1,627 ............1,237 .......XXX........

SCHEDULE P - PART 6O - REINSURANCENONPROPORTIONAL ASSUMED LIABILITY

SECTION 1Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ........(60,543) ............4,757 ............5,426 ............5,053 ............4,532 ...............481 ...............226 ...............249 ............9,406 .............(715) .............(715)2. 2004............................ ..........99,253 ..........99,892 ..........99,892 ..........99,892 ..........99,892 ..........99,892 ..........99,892 ..........99,892 ..........99,892 ..........99,892 ...................03. 2005............................ ......XXX......... ..........49,471 ..........49,581 ..........49,581 ..........49,581 ..........49,581 ..........49,581 ..........49,581 ..........49,581 ..........49,581 ...................04. 2006............................ ......XXX......... ......XXX......... ..........44,378 ..........44,485 ..........44,485 ..........44,480 ..........44,480 ..........44,480 ..........44,480 ..........44,480 ...................05. 2007............................ ......XXX......... ......XXX......... ......XXX......... ..........32,447 ..........32,518 ..........32,533 ..........32,533 ..........32,533 ..........32,533 ..........32,536 ...................36. 2008............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........27,155 ..........27,136 ..........27,133 ..........27,133 ..........27,133 ..........27,155 .................237. 2009............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........22,944 ..........22,916 ..........22,916 ..........22,916 ..........22,996 .................808. 2010............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........22,941 ..........22,946 ..........22,946 ..........22,974 .................289. 2011............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........21,573 ..........22,454 ..........22,476 .................2210. 2012............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........16,971 ..........17,614 ...............64311. 2013............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........19,454 ..........19,45412. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........19,53813. Earned Prems.(P-Pt.1). ..........38,710 ..........54,866 ..........49,959 ..........37,605 ..........31,760 ..........23,425 ..........23,135 ..........21,829 ..........27,257 ..........19,538 .......XXX........

SECTION 2Cumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ........(38,740) ..........11,725 ..........14,812 ..........(5,523) ..........98,816 .................38 ...............952 .................96 .................33 .................27 .................272. 2004............................ ..........51,544 ..........51,694 ..........51,694 ..........51,694 ..........51,694 ..........51,694 ..........51,694 ..........51,694 ..........51,694 ..........51,694 ...................03. 2005............................ ......XXX......... ............8,157 ............8,157 ............8,157 ............8,157 ............8,157 ............8,157 ............8,157 ............8,157 ............8,157 ...................04. 2006............................ ......XXX......... ......XXX......... ............4,864 ............4,864 ............4,864 ............4,864 ............4,864 ............4,864 ............4,864 ............4,864 ...................05. 2007............................ ......XXX......... ......XXX......... ......XXX......... ............3,167 ............3,167 ............3,167 ............3,167 ............3,167 ............3,167 ............3,167 ...................06. 2008............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............1,817 ............1,817 ............1,817 ............1,817 ............1,817 ............1,817 ...................07. 2009............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............2,014 ............2,014 ............2,014 ............2,014 ............2,014 ...................08. 2010............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............2,836 ............2,836 ............2,836 ............2,836 ...................09. 2011............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............2,632 ............3,521 ............3,521 ...................010. 2012............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............3,052 ............3,052 ...................011. 2013............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............2,990 ............2,99012. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............3,01713. Earned Prems.(P-Pt.1). ..........12,806 ..........20,037 ..........19,672 ..........(2,353) ........100,635 ............2,054 ............3,788 ............2,728 ............3,974 ............3,017 .......XXX........

Page 80: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

88

SCHEDULE P - PART 6R - PRODUCTS LIABILITY - OCCURRENCESECTION 1A

Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ..........70,378 .............(649) .............(738) ..........(1,966) ..........(1,822) ...............651 .............(107) .............(560) ...............159 ........(11,938) ........(11,938)2. 2004............................. ........453,929 ........507,594 ........509,111 ........509,945 ........510,728 ........510,963 ........510,488 ........510,481 ........510,483 ........510,640 ...............1573. 2005............................. ......XXX......... ........275,200 ........287,995 ........289,840 ........289,443 ........289,735 ........289,720 ........290,226 ........290,121 ........290,409 ...............2884. 2006............................. ......XXX......... ......XXX......... ........184,583 ........190,557 ........191,723 ........191,735 ........192,336 ........192,842 ........192,789 ........192,731 ...............(59)5. 2007............................. ......XXX......... ......XXX......... ......XXX......... ........193,929 ........198,145 ........199,617 ........199,732 ........199,786 ........199,687 ........199,602 ...............(86)6. 2008............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........188,712 ........190,558 ........189,547 ........189,442 ........189,612 ........189,522 ...............(90)7. 2009............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........192,491 ........187,964 ........187,587 ........187,715 ........187,729 .................148. 2010............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........166,570 ........173,100 ........174,999 ........175,085 .................869. 2011............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........155,597 ........164,913 ........166,093 ............1,17910. 2012............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........162,986 ........167,792 ............4,80611. 2013............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........169,963 ........169,96312. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ........164,32113. Earned Prems.(P-Pt 1). ........524,229 ........328,138 ........198,077 ........200,542 ........192,583 ........196,934 ........161,080 ........162,078 ........174,405 ........164,321 .......XXX........

SECTION 2ACumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ..........24,305 ............1,331 ............4,948 ...............275 ..........(5,276) .............(113) ...............393 ..........(1,189) .............(294) ...................2 ...................22. 2004............................ ..........55,987 ..........59,616 ..........59,665 ..........59,561 ..........59,563 ..........59,559 ..........59,553 ..........59,552 ..........59,552 ..........59,552 .................(0)3. 2005............................ ......XXX......... ..........31,145 ..........30,902 ..........30,865 ..........30,870 ..........30,869 ..........30,869 ..........30,871 ..........30,870 ..........30,869 .................(0)4. 2006............................ ......XXX......... ......XXX......... ............9,209 ..........13,647 ..........13,835 ..........13,841 ..........13,842 ..........13,844 ..........13,816 ..........13,817 ...................05. 2007............................ ......XXX......... ......XXX......... ......XXX......... ............8,271 ..........12,956 ..........13,167 ..........13,173 ..........13,226 ..........13,085 ..........13,089 ...................46. 2008............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............4,580 ............9,803 ..........10,388 ..........10,271 ..........10,269 ..........10,268 .................(1)7. 2009............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............4,253 ............9,314 ............9,957 ............9,955 ............9,954 .................(1)8. 2010............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............4,238 ............8,110 ............8,316 ............8,328 .................129. 2011............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............4,082 ............7,220 ............7,456 ...............23610. 2012............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............3,858 ............6,530 ............2,67211. 2013............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............2,424 ............2,42412. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............5,34813. Earned Prems.(P-Pt 1). ..........80,298 ..........36,109 ..........13,975 ..........12,848 ............4,170 ............9,570 ..........10,279 ............7,344 ............6,735 ............5,348 .......XXX........

SCHEDULE P - PART 6R - PRODUCTS LIABILITY - CLAIMS-MADESECTION 1B

Cumulative Premiums Earned Direct and Assumed at Year End ($000 omitted) 11Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ............4,283 ...............(30) ...............(88) .................(5) .................(3) ...............947 ...............(18) .................21 ...................8 .................(0) .................(0)2. 2004............................ ..........30,118 ..........31,958 ..........31,871 ..........31,862 ..........31,804 ..........31,804 ..........31,825 ..........31,825 ..........31,825 ..........31,825 ...................03. 2005............................ ......XXX......... ..........18,318 ..........18,570 ..........18,314 ..........18,321 ..........18,321 ..........18,340 ..........18,340 ..........18,340 ..........18,340 ...................04. 2006............................ ......XXX......... ......XXX......... ..........16,012 ..........16,009 ..........16,064 ..........16,064 ..........16,055 ..........16,055 ..........16,055 ..........16,055 ...................05. 2007............................ ......XXX......... ......XXX......... ......XXX......... ..........17,253 ..........17,113 ..........17,107 ..........17,077 ..........17,077 ..........17,077 ..........17,077 ...................06. 2008............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........19,338 ..........18,970 ..........18,913 ..........18,913 ..........18,913 ..........18,913 ...................07. 2009............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........20,873 ..........19,545 ..........19,499 ..........19,499 ..........19,499 ...................08. 2010............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........22,233 ..........21,996 ..........21,924 ..........21,929 ...................59. 2011............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........23,558 ..........22,982 ..........22,861 .............(121)10. 2012............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........25,784 ..........25,292 .............(491)11. 2013............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........27,306 ..........27,30612. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ..........26,70013. Earned Prems.(P-Pt 1). ..........34,403 ..........20,128 ..........16,084 ..........16,981 ..........19,196 ..........21,447 ..........20,827 ..........23,300 ..........25,143 ..........26,700 .......XXX........

SECTION 2BCumulative Premiums Earned Ceded at Year End ($000 omitted) 11

Years in Which Premiums 1 2 3 4 5 6 7 8 9 10 Current YearWere Earned and Losses Premiums

Were Incurred 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Earned1. Prior.............................. ............2,085 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................0 ...................02. 2004............................ ............5,279 ............5,407 ............5,416 ............5,416 ............5,416 ............5,416 ............5,417 ............5,417 ............5,417 ............5,417 ...................03. 2005............................ ......XXX......... ............2,443 ............2,487 ............2,607 ............2,607 ............2,607 ............2,608 ............2,608 ............2,608 ............2,608 ...................04. 2006............................ ......XXX......... ......XXX......... ...............268 ...............269 ...............269 ...............269 ...............269 ...............269 ...............269 ...............269 ...................05. 2007............................ ......XXX......... ......XXX......... ......XXX......... .................28 .................28 .................28 .................28 .................28 .................28 .................28 ...................06. 2008............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... .................71 .................71 .................49 .................49 .................49 .................49 ...................07. 2009............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ...............416 ............1,328 ............1,328 ............1,328 ............1,328 ...................08. 2010............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ...............519 ............2,053 ............2,070 ............2,070 ...................09. 2011............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ...............809 ............2,062 ............2,064 ...................210. 2012............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............2,794 ............2,843 .................4911. 2013............................ ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............2,529 ............2,52912. Total............................. ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ......XXX......... ............2,58013. Earned Prems.(P-Pt 1). ............7,364 ............2,571 ...............322 ...............149 .................71 ...............416 ............1,410 ............2,343 ............4,064 ............2,580 .......XXX........

Page 81: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

89

SCHEDULE P - PART 7A - PRIMARY LOSS SENSITIVE CONTRACTS($000 Omitted)

SECTION 11 2 3 4 5 6

Net Lossesand Net

Expenses Loss Premiums LossTotal Net Unpaid on Sensitive Written on Sensitive

Losses and Loss as Total Net Loss asExpenses Sensitive Percentage Premiums Sensitive Percentage

Schedule P - Part 1 Unpaid Contracts of Total Written Contracts of Total1. Homeowners/farmowners.......................................................... .................939,178 ............................0 .........................0.0 ..............3,447,409 ............................0 .........................0.02. Private passenger auto liability/medical..................................... ..............2,064,525 ............................0 .........................0.0 ..............2,108,962 ............................0 .........................0.03. Commercial auto/truck liability/medical...................................... ..............2,356,803 ...................33,620 .........................1.4 ..............1,498,171 ...................19,683 .........................1.34. Workers' compensation.............................................................. ............14,268,241 ..............1,442,291 .......................10.1 ..............3,682,556 .................233,329 .........................6.35. Commercial multiple peril........................................................... ..............3,361,785 ..........................12 .........................0.0 ..............2,974,148 ..........................79 .........................0.06. Medical professional liability - occurrence................................. ...................20,383 ............................0 .........................0.0 ...........................(0) ............................0 .........................0.07. Medical professional liability - claims-made............................... ...................73,638 ............................0 .........................0.0 .........................(11) ............................0 .........................0.08. Special liability........................................................................... .................313,215 ............................0 .........................0.0 .................460,130 ............................0 .........................0.09. Other liability - occurrence......................................................... ..............6,581,475 ...................25,392 .........................0.4 ..............1,727,075 ...................18,343 .........................1.1

10. Other liability - claims-made....................................................... ..............2,735,259 ............................0 .........................0.0 ..............1,003,271 ............................0 .........................0.011. Special property......................................................................... .................829,608 ..........................18 .........................0.0 ..............1,852,174 ............................0 .........................0.012. Auto physical damage................................................................ .................184,635 ........................252 .........................0.1 ..............1,704,351 ........................476 .........................0.013. Fidelity/surety............................................................................. ..............1,132,153 ............................0 .........................0.0 .................917,094 ............................0 .........................0.014. Other.......................................................................................... ...................21,413 ............................0 .........................0.0 .....................1,200 ............................0 .........................0.015. International............................................................................... ...................13,990 ............................0 .........................0.0 .....................3,090 ............................0 .........................0.016. Reinsurance - nonproportional assumed property..................... ............XXX............ ............XXX............ ............XXX............ ............XXX............ ............XXX............ ............XXX............17. Reinsurance - nonproportional assumed liability....................... ............XXX............ ............XXX............ ............XXX............ ............XXX............ ............XXX............ ............XXX............18. Reinsurance - nonproportional assumed financial lines............ ............XXX............ ............XXX............ ............XXX............ ............XXX............ ............XXX............ ............XXX............19. Products liability - occurrence.................................................... ..............2,177,545 ...................27,033 .........................1.2 .................158,460 ....................(9,376) ........................(5.9)20. Products liability - claims-made................................................. ...................49,990 ............................0 .........................0.0 ...................23,600 ............................0 .........................0.021. Financial guaranty/mortgage guaranty...................................... ............................0 ............................0 .........................0.0 ............................0 ............................0 .........................0.022. Warranty.................................................................................... ............................0 ............................0 .........................0.0 ............................0 ............................0 .........................0.023. Totals......................................................................................... ............37,123,838 ..............1,528,618 .........................4.1 ............21,561,681 .................262,534 .........................1.2

SECTION 2Incurred Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted)

Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2004 2005 2006 2007 2008 2009 2010 2011 2012 20131. Prior............. ......16,992,387 ......16,843,771 ......17,009,897 ......16,997,259 ......17,013,374 ......16,974,512 ......17,008,686 ......17,096,581 ......17,112,111 ......17,084,7522. 2004............. ...........114,718 ...........289,653 ...........275,116 ...........277,452 ...........245,251 ...........245,722 ...........255,935 ...........265,100 ...........261,532 ...........262,6073. 2005............. ........XXX.......... ...........167,037 ...........222,440 ...........242,111 ...........214,425 ...........208,414 ...........204,360 ...........213,761 ...........212,486 ...........213,2894. 2006............. ........XXX.......... ........XXX.......... ...........199,107 ...........218,596 ...........207,563 ...........202,307 ...........193,796 ...........205,551 ...........206,019 ...........203,4905. 2007............. ........XXX.......... ........XXX.......... ........XXX.......... ...........174,244 ...........222,121 ...........218,633 ...........208,846 ...........210,340 ...........205,075 ...........203,6226. 2008............. ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........224,654 ...........209,396 ...........210,774 ...........204,983 ...........174,185 ...........165,2307. 2009............. ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........177,321 ...........191,198 ...........191,885 ...........172,998 ...........164,2338. 2010............. ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........166,033 ...........178,928 ...........178,887 ...........188,4279. 2011............. ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........151,991 ...........168,967 ...........169,395

10. 2012............. ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........169,703 ...........192,81011. 2013............. ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........243,877

SECTION 3Bulk and Incurred But Not Reported Reserves for Losses and Defense and Cost Containment Expenses at Year End ($000 omitted)

Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2004 2005 2006 2007 2008 2009 2010 2011 2012 20131. Prior............. ...........949,016 ...........731,027 ...........714,445 ...........699,565 ...........653,378 ...........567,348 ...........499,108 ...........468,401 ...........471,382 ...........346,9172. 2004............ .............65,652 ...........152,450 .............89,854 .............89,291 .............47,642 .............47,842 .............47,225 .............41,548 .............30,457 .............26,9263. 2005............ ........XXX.......... ...........109,041 ...........104,765 .............98,152 .............60,084 .............52,791 .............48,476 .............39,552 .............39,372 .............34,6694. 2006............ ........XXX.......... ........XXX.......... ...........153,788 ...........114,613 .............69,844 .............64,948 .............58,082 .............50,558 .............52,427 .............46,1965. 2007............ ........XXX.......... ........XXX.......... ........XXX.......... ...........133,311 ...........102,915 .............78,281 .............63,146 .............53,319 .............38,881 .............35,7046. 2008............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........134,158 .............75,165 .............54,600 .............54,307 .............13,210 ...............8,5747. 2009............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........113,093 .............87,451 .............64,169 .............33,837 .............23,2698. 2010............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........103,947 .............71,743 .............55,621 .............40,5229. 2011............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... .............86,712 .............61,274 .............43,438

10. 2012............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... .............99,733 .............67,23711. 2013............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........137,607

Page 82: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

90

SCHEDULE P - PART 7A - PRIMARY LOSS SENSITIVE CONTRACTS (continued)SECTION 4

Net Earned Premiums Reported at Year End ($000 omitted)Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2004 2005 2006 2007 2008 2009 2010 2011 2012 20131. Prior............. ......22,938,736 ......22,922,939 ......22,916,280 ......22,919,823 ......22,892,851 ......22,894,110 ......22,922,449 ......22,955,366 ......22,938,890 ......22,949,7422. 2004............ ...........197,905 ...........375,888 ...........352,261 ...........348,197 ...........320,766 ...........316,180 ...........327,561 ...........329,073 ...........326,008 ...........327,2533. 2005............ ........XXX.......... ...........210,646 ...........301,130 ...........266,954 ...........274,958 ...........265,930 ...........269,115 ...........265,770 ...........259,677 ...........258,5944. 2006............ ........XXX.......... ........XXX.......... ...........146,706 ...........244,903 ...........236,949 ...........243,633 ...........244,151 ...........239,530 ...........233,287 ...........232,3525. 2007............ ........XXX.......... ........XXX.......... ........XXX.......... ...........130,448 ...........239,407 ...........231,097 ...........232,687 ...........232,536 ...........221,138 ...........220,5176. 2008............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........127,459 ...........235,972 ...........233,505 ...........222,145 ...........212,230 ...........208,2527. 2009............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........122,624 ...........220,420 ...........217,818 ...........217,459 ...........210,5948. 2010............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........117,241 ...........199,986 ...........198,078 ...........188,5239. 2011............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........116,005 ...........206,124 ...........210,650

10. 2012............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........117,921 ...........225,71211. 2013............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...........133,720

SECTION 5Net Reserve for Premium Adjustments and Accrued Retrospective Premiums at Year End ($000 omitted)

Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2004 2005 2006 2007 2008 2009 2010 2011 2012 20131. Prior............. ...........261,459 ...........188,268 ...........142,661 ...........101,658 .............53,514 .............40,401 .............24,807 .............31,825 ...............9,491 ...............6,3292. 2004............ .............11,078 ...............8,002 .............15,795 .............40,436 .............14,962 ...............7,881 .............11,271 .............11,273 ...............4,540 ...............4,2043. 2005............ ........XXX.......... .............10,510 ............(21,567) ...............5,280 .............29,122 .............16,982 .............14,805 .............11,478 ...............5,353 ...............4,3464. 2006............ ........XXX.......... ........XXX.......... ......................0 ............(20,116) .............17,095 .............29,466 .............17,295 .............12,449 ...............5,492 ...............5,3145. 2007............ ........XXX.......... ........XXX.......... ........XXX.......... ..................780 ...............2,524 .............24,317 .............25,415 .............19,837 ...............7,777 ...............5,2256. 2008............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...............1,317 .................(337) .............22,019 .............25,525 ...............5,676 ...............4,1357. 2009............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ......................0 ..............(6,766) .............16,544 .............23,537 .............10,8838. 2010............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...............6,139 ...............6,298 ...............7,738 ..................5169. 2011............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ...............6,849 ...............1,912 .............17,685

10. 2012............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ......................0 ..............(2,460)11. 2013............ ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ........XXX.......... ......................0

Page 83: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

91

SCHEDULE P - PART 7B - REINSURANCE LOSS SENSITIVE CONTRACTS($000 Omitted)

SECTION 11 2 3 4 5 6

Net Lossesand Net

Expenses Loss Premiums LossTotal Net Unpaid on Sensitive Written on Sensitive

Losses and Loss as Total Net Loss asExpenses Sensitive Percentage Premiums Sensitive Percentage

Schedule P - Part 1 Unpaid Contracts of Total Written Contracts of Total1. Homeowners/farmowners.......................................................... .................939,178 ............................0 .........................0.0 ..............3,447,409 ............................0 .........................0.02. Private passenger auto liability/medical..................................... ..............2,064,525 ............................0 .........................0.0 ..............2,108,962 ............................0 .........................0.03. Commercial auto/truck liability/medical...................................... ..............2,356,803 ............................0 .........................0.0 ..............1,498,171 ............................0 .........................0.04. Workers' compensation.............................................................. ............14,268,241 ............................0 .........................0.0 ..............3,682,556 ............................0 .........................0.05. Commercial multiple peril........................................................... ..............3,361,785 ............................0 .........................0.0 ..............2,974,148 ............................0 .........................0.06. Medical professional liability - occurrence................................. ...................20,383 ............................0 .........................0.0 ...........................(0) ............................0 .........................0.07. Medical professional liability - claims-made............................... ...................73,638 ............................0 .........................0.0 .........................(11) ............................0 .........................0.08. Special liability........................................................................... .................313,215 ............................0 .........................0.0 .................460,130 ............................0 .........................0.09. Other liability - occurrence......................................................... ..............6,581,475 ............................0 .........................0.0 ..............1,727,075 ............................0 .........................0.0

10. Other liability - claims-made....................................................... ..............2,735,259 ............................0 .........................0.0 ..............1,003,271 ............................0 .........................0.011. Special property......................................................................... .................829,608 ............................0 .........................0.0 ..............1,852,174 ............................0 .........................0.012. Auto physical damage................................................................ .................184,635 ............................0 .........................0.0 ..............1,704,351 ............................0 .........................0.013. Fidelity/surety............................................................................. ..............1,132,153 ............................0 .........................0.0 .................917,094 ............................0 .........................0.014. Other.......................................................................................... ...................21,413 ............................0 .........................0.0 .....................1,200 ............................0 .........................0.015. International............................................................................... ...................13,990 ............................0 .........................0.0 .....................3,090 ............................0 .........................0.016. Reinsurance - nonproportional assumed property..................... ...................56,852 ............................0 .........................0.0 ...................40,357 ............................0 .........................0.017. Reinsurance - nonproportional assumed liability....................... .................818,882 ............................0 .........................0.0 ...................15,758 ............................0 .........................0.018. Reinsurance - nonproportional assumed financial lines............ ...................18,575 ............................0 .........................0.0 .....................1,687 ............................0 .........................0.019. Products liability - occurrence.................................................... ..............2,177,545 ............................0 .........................0.0 .................158,460 ............................0 .........................0.020. Products liability - claims-made................................................. ...................49,990 ............................0 .........................0.0 ...................23,600 ............................0 .........................0.021. Financial guaranty/mortgage guaranty...................................... ............................0 ............................0 .........................0.0 ............................0 ............................0 .........................0.022. Warranty.................................................................................... ............................0 ............................0 .........................0.0 ............................0 ............................0 .........................0.023. Totals ............38,018,147 ............................0 .........................0.0 ............21,619,483 ............................0 .........................0.0

SECTION 2Incurred Losses and Defense and Cost Containment Expenses Reported at Year End ($000 omitted)

Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2004 2005 2006 2007 2008 2009 2010 2011 2012 20131. Prior........................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................02. 2004........................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................03. 2005........................... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................04. 2006........................... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................05. 2007........................... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................06. 2008........................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................07. 2009........................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................08. 2010........................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................09. 2011........................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

10. 2012........................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................011. 2013........................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0

NONE

SECTION 3Bulk and Incurred But Not Reported Reserves for Losses and Defense and Cost Containment Expenses at Year End ($000 omitted)

Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2004 2005 2006 2007 2008 2009 2010 2011 2012 20131. Prior........................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................02. 2004.......................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................03. 2005.......................... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................04. 2006.......................... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................05. 2007.......................... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................06. 2008.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................07. 2009.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................08. 2010.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................09. 2011.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

10. 2012.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................011. 2013.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0

NONE

Page 84: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

92

SCHEDULE P - PART 7B - REINSURANCE LOSS SENSITIVE CONTRACTS (continued)SECTION 4

Net Earned Premiums Reported At Year End ($000 Omitted)Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior........................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

2. 2004.......................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

3. 2005.......................... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

4. 2006.......................... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

5. 2007.......................... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

6. 2008.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

7. 2009.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0

8. 2010.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0

9. 2011.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

10. 2012.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0

11. 2013.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0

NONE

SECTION 5Net Reserve For Premium Adjustments And Accrued Retrospective Premiums At Year End ($000 Omitted)

Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior........................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

2. 2004.......................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

3. 2005.......................... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

4. 2006.......................... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

5. 2007.......................... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

6. 2008.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

7. 2009.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0

8. 2010.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0

9. 2011.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

10. 2012.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0

11. 2013.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0

NONE

SECTION 6Incurred Adjustable Commissions Reported At Year End ($000 Omitted)

Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2004 2005 2006 2007 2008 2009 2010 2011 2012 20131. Prior........................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................02. 2004.......................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................03. 2005.......................... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................04. 2006.......................... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................05. 2007.......................... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................06. 2008.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................07. 2009.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................08. 2010.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................09. 2011.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

10. 2012.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................011. 2013.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0

NONE

SECTION 7Reserves For Commission Adjustments At Year End ($000 Omitted)

Years in Which 1 2 3 4 5 6 7 8 9 10Policies Were

Issued 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

1. Prior........................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

2. 2004.......................... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

3. 2005.......................... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

4. 2006.......................... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

5. 2007.......................... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

6. 2008.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0 .....................0

7. 2009.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0 .....................0

8. 2010.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0 .....................0

9. 2011.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0 .....................0

10. 2012.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0 .....................0

11. 2013.......................... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... ........XXX......... .....................0

NONE

Page 85: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

94

SCHEDULE T - EXHIBIT OF PREMIUMS WRITTEN Allocated by States and Territories

1 Gross Premiums, Including Policy and 4 5 6 7 8 9Membership Fees Less Return Premiums Dividends Paid Finance and Direct Premiums

and Premiums on Policies Not Taken or Credited Direct Losses Service Written for2 3 to Policyholders Paid Charges Federal Pur-

Active Direct Premiums Direct Premiums on Direct (Deducting Direct Losses Direct Losses not Included chasing GroupsStates, Etc. Status Written Earned Business Salvage) Incurred Unpaid in Premiums (Incl. in Col. 2)

1. Alabama..............................AL ....L...... ...........346,379,490 ...........339,255,016 ............129,325 ....207,402,342 ....192,065,819 ....590,942,083 .......1,656,613 ..............384,5732. Alaska.................................AK ....L...... .............36,131,471 .............34,327,565 ................7,019 ......11,064,144 ........9,136,413 ......46,255,152 ..............3,938 ................34,1753. Arizona................................AZ ....L...... ...........348,759,111 ...........339,503,713 ..............46,495 ....167,438,643 ....132,106,051 ....441,870,402 ..........873,483 ..............617,6534. Arkansas.............................AR ....L...... ...........191,796,874 ...........188,965,935 ............154,183 ......95,430,036 ......96,855,777 ....254,282,802 ..........604,713 ................49,4185. California.............................CA ....L...... ........2,433,039,324 ........2,437,943,168 ...........(370,400) .1,204,138,455 .1,166,353,088 .3,828,545,156 .......7,778,425 ...........3,587,7866. Colorado.............................CO ....L...... ...........427,606,378 ...........424,668,745 ............105,343 ....232,348,472 ....230,238,946 ....456,377,124 .......1,133,113 ..............335,0907. Connecticut.........................CT ....L...... ...........641,400,075 ...........642,384,590 ............269,792 ....353,272,150 ....302,648,142 .1,069,405,678 .......4,164,737 ..............604,2058. Delaware.............................DE ....L...... .............75,249,824 .............74,705,574 ................4,155 ......36,521,784 ......35,430,015 ....159,577,998 ..........300,073 ................13,2729. District of Columbia.............DC ....L...... ...........157,340,564 ...........158,842,085 ..............68,330 ......48,861,536 ......44,963,032 ....199,781,188 ..........537,282 ................25,023

10. Florida..................................FL ....L...... ........1,007,793,080 ........1,028,249,030 .........2,962,704 ....550,696,407 ....460,859,665 .1,493,085,114 .......2,077,238 ...........2,852,24311. Georgia...............................GA ....L...... ...........747,697,686 ...........740,693,950 ............146,908 ....399,505,625 ....368,762,838 ....882,980,749 .......3,356,031 ..............389,72712. Hawaii...................................HI ....L...... .............31,393,836 .............32,538,570 .......................2 ........6,908,041 ........7,630,353 ......73,536,882 ............11,413 ..............544,36513. Idaho....................................ID ....L...... .............72,202,195 .............71,590,494 ..............99,809 ......27,340,359 ......22,801,743 ......70,764,706 ..........244,276 ................14,14414. Illinois....................................IL ....L...... ...........961,410,690 ...........957,660,802 ............648,789 ....497,164,266 ....464,893,232 .1,541,805,258 .......2,488,933 ...........1,247,78215. Indiana..................................IN ....L...... ...........347,751,573 ...........343,226,167 ..............59,557 ....199,361,280 ....197,225,329 ....426,655,595 ..........816,435 ..............100,95216. Iowa......................................IA ....L...... ...........180,239,478 ...........177,610,284 ............955,967 ......88,444,449 ......79,623,069 ....293,494,101 ..........232,875 ..............103,33317. Kansas................................KS ....L...... ...........262,751,679 ...........261,457,348 ............177,785 ....110,163,755 ....103,385,977 ....328,654,281 ..........726,862 ..............106,63818. Kentucky.............................KY ....L...... ...........221,150,108 ...........227,075,554 ..............47,476 ....101,850,075 ....101,495,355 ....370,492,386 ..........707,779 ..............278,88819. Louisiana.............................LA ....L...... ...........319,460,617 ...........311,935,370 ............214,794 ....168,968,251 ......76,348,541 ....561,965,721 ..........391,927 ...........1,249,40520. Maine..................................ME ....L...... .............91,643,133 .............90,869,701 ................3,610 ......35,074,000 ......39,996,105 ....131,090,778 ..........602,721 ................64,57921. Maryland.............................MD ....L...... ...........536,621,097 ...........537,441,709 ............329,421 ....224,202,209 ....234,980,333 ....643,391,978 .......1,909,355 ..............270,48122. Massachusetts....................MA ....L...... ...........800,531,014 ...........806,900,729 ............565,605 ....368,636,370 ....311,478,142 .1,265,855,828 .......4,323,738 ..............476,44323. Michigan...............................MI ....L...... ...........339,209,754 ...........332,306,400 ............127,189 ....174,703,149 ....117,268,508 .1,171,253,368 ..........335,915 ..............664,31724. Minnesota...........................MN ....L...... ...........407,545,315 ...........402,873,231 ............843,540 ....192,603,671 ....180,754,763 ....658,853,969 ..........972,387 ..............317,89225. Mississippi..........................MS ....L...... ...........208,329,271 ...........206,275,231 ..............96,931 ....132,737,890 ....119,933,964 ....287,594,521 ..........536,452 ..............501,43726. Missouri..............................MO ....L...... ...........427,343,154 ...........427,276,469 ..............82,972 ....235,887,377 ....198,925,747 ....708,665,919 .......1,229,342 ..............648,38727. Montana..............................MT ....L...... ...........106,509,509 ...........108,825,094 ..............61,045 ......52,586,791 ......46,558,939 ....103,980,581 ..........375,104 ................80,11928. Nebraska.............................NE ....L...... ...........164,133,560 ...........165,720,421 ............469,156 ....101,608,695 ....114,483,854 ....251,471,253 ..........216,269 ................37,59529. Nevada................................NV ....L...... ...........157,521,776 ...........153,548,994 ................1,817 ......71,710,893 ......69,449,395 ....210,215,979 ..........526,570 ...........1,691,56230. New Hampshire..................NH ....L...... ...........101,194,877 ...........101,816,627 ..............25,056 ......36,800,574 ......36,695,492 ....144,916,812 ..........440,009 ..............114,17531. New Jersey..........................NJ ....L...... ...........954,904,350 ...........946,599,531 .........3,704,297 ....809,062,299 ....547,681,235 .1,686,758,083 .......4,786,475 ...........2,040,28332. New Mexico........................NM ....L...... ...........138,038,527 ...........133,775,486 ..............96,224 ......54,893,994 ......60,919,838 ....193,729,444 ..........264,964 ................35,70333. New York............................NY ....L...... ........2,387,716,165 ........2,373,069,429 .........2,821,182 .1,998,167,048 .1,381,859,521 .3,514,179,605 .....14,920,279 ...........4,325,41834. North Carolina.....................NC ....L...... ...........556,872,207 ...........554,000,162 ............251,304 ....229,626,500 ....202,711,123 ....658,192,903 .......2,319,816 ..............213,53135. North Dakota.......................ND ....L...... .............56,930,930 .............52,906,064 ..............25,912 ......23,732,010 ......29,545,095 ......45,647,234 ............23,551 ..................3,84936. Ohio....................................OH ....L...... ...........404,008,378 ...........404,977,958 ..............37,546 ....191,456,278 ....145,948,422 ....643,292,098 .......1,480,538 ..............231,99737. Oklahoma...........................OK ....L...... ...........327,958,613 ...........323,729,234 ..............95,912 ....219,937,144 ....244,750,219 ....414,825,732 ..........144,177 ..............129,75738. Oregon................................OR ....L...... ...........177,956,160 ...........180,585,416 ..............13,618 ......74,834,992 ......59,443,845 ....218,107,559 ..........619,329 ................82,80039. Pennsylvania.......................PA ....L...... ........1,185,022,730 ........1,194,603,313 ............741,876 ....596,792,773 ....502,906,991 .1,827,906,612 .......7,417,254 ..............676,58540. Rhode Island........................RI ....L...... .............93,099,456 .............95,622,405 ..............48,712 ......47,896,014 ......36,483,067 ....155,057,203 ..........595,278 ................28,18741. South Carolina....................SC ....L...... ...........375,208,942 ...........373,601,082 ..............80,667 ....150,259,022 ....134,853,550 ....367,589,735 .......2,329,449 ..............231,32842. South Dakota......................SD ....L...... .............41,148,800 .............40,168,288 ............115,283 ......20,781,143 ......18,624,297 ......65,475,635 ............46,094 ................88,13843. Tennessee..........................TN ....L...... ...........468,406,877 ...........471,706,238 ............109,679 ....207,257,804 ....205,384,885 ....636,098,891 .......1,618,037 ..............199,34744. Texas...................................TX ....L...... ........1,528,919,907 ........1,503,816,752 .........6,571,149 ....716,983,396 ....674,882,044 .2,036,642,140 .......4,212,147 ...........1,131,17745. Utah.....................................UT ....L...... ...........151,820,285 ...........152,531,678 ..............80,593 ......59,990,886 ......67,045,104 ....204,738,413 ..........442,413 ................91,40746. Vermont...............................VT ....L...... .............63,258,964 .............62,816,976 ..............29,544 ......32,402,570 ......33,857,159 ......97,454,753 ..........369,534 ................30,72847. Virginia................................VA ....L...... ...........650,075,860 ...........653,461,590 ............349,622 ....231,601,970 ....203,633,529 ....725,305,288 .......3,295,541 ..............227,72948. Washington........................WA ....L...... ...........297,800,011 ...........302,866,871 ..............12,341 ....140,561,491 ....112,589,223 ....274,423,989 .......1,239,530 ..............455,09949. West Virginia......................WV ....L...... ...........126,587,066 ...........124,426,367 ..............49,713 ......50,640,760 ......55,066,247 ....198,364,459 ............66,248 ..................4,88050. Wisconsin............................WI ....L...... ...........422,480,194 ...........412,586,185 .......16,896,133 ....203,670,061 ....249,775,550 ....818,586,042 ..........423,348 ..............175,05051. Wyoming............................WY ....L...... .............56,752,720 .............56,133,951 ..............24,476 ......20,901,560 ......20,904,616 ......51,314,635 ............56,534 ................28,41952. American Samoa.................AS ....L...... ......................3,175 ....................49,214 .......................0 ......................0 ......................0 ......................0 .....................0 .........................053. Guam..................................GU ....L...... ..................151,017 ..................341,270 .......................0 .............20,755 .............20,912 ...............7,375 ...................18 .........................054. Puerto Rico.........................PR ....L...... ...............5,755,605 ...............6,057,903 .......................0 ........1,780,296 ...........487,833 ........6,163,362 ...................42 .........................055. US Virgin Islands..................VI ....L...... ...............2,111,613 ...............1,983,441 .......................0 ...........778,077 ........2,575,578 ........2,772,735 ...................18 .........................056. Northern Mariana Islands...MP ....N...... .........................265 .........................265 .......................0 ......................0 ......................0 ......................0 .....................0 .........................057. Canada.............................CAN ....L...... ...........156,800,037 ...........172,022,283 .......................0 ......77,772,085 ......83,679,667 ....327,762,986 .....................0 .........................058. Aggregate Other Alien........OT ...XXX.. .............63,015,791 .............64,778,629 .......................0 ......13,314,655 ........4,542,252 ....177,360,449 .....................0 .........................059. Totals....................................... (a)...55 ......22,842,941,159 ......22,785,706,547 .......40,490,157 12,308,547,272 10,643,520,432 34,015,520,722 .....86,244,623 .........27,837,070

DETAILS OF WRITE-INS 58001. Combined write-ins for Line 58 ...XXX.. ..................63,015,791 ..................64,778,629 ...........................0 ..........13,314,655 ............4,542,252 ........177,360,449 .........................0 .............................058002. ................................................. ...XXX.. ..................................... ..................................... .............................. ............................. ............................. ............................. ............................ .................................58003. ................................................. ...XXX.. ..................................... ..................................... .............................. ............................. ............................. ............................. ............................ .................................85998. Summary of remaining write-ins for

Line 58 from overflow page ...XXX.. ..................................... ..................................... .............................. ............................. ............................. ............................. ............................ .................................58999. Totals (Lines 58001 thru 58003+

Line 58998) (Line 58 above) ...XXX.. ..................63,015,791 ..................64,778,629 ...........................0 ..........13,314,655 ............4,542,252 ........177,360,449 .........................0 .............................0(a) Insert the number of "L" responses except for Canada and Other Alien.(L) - Licensed or Chartered - Licensed Insurance Carrier or Domicilied RRG; (R) - Registered - Non-domiciled RRGs; (Q) - Qualified - Qualified or Accredited Reinsurer; (E) - Eligible - Reporting Entities eligible or approved to write Surplus Lines in the state; (N) - None of the above - Not allowed to write business in the state. Explanation of Basis of Allocation of Premiums by States, etc. 1. FIRE; 2. ALLIED LINES; 3. FARMOWNERS MULTIPLE PERIL; 4. HOMEOWNERS MULTIPLE PERIL; 5. COMMERCIAL MULTIPLE PERIL; 12. EARTHQUAKE; 26.BURGLARY AND THEFT; 27. BOILER AND MACHINERY-LOCATION OF PROPERTY INSURED; 8. OCEAN MARINE-LOCATION WHERE CONTRACT OFINSURANCE IS NEGOTIATED, EXCEPT BUILDERS RISKS WHICH ARE ALLOCATED ON LOCATIONS OF RISK; 9. INLAND MARINE-ADDRESS OF INSURED ORSTATE OF PRINCIPAL EXPOSURE, BRIDGES AND TUNNELS-LOCATION OF PROPERTY; 10. FINANCIAL GUARANTY; 13. GROUP ACCIDENT AND HEALTH; 15.OTHER ACCIDENT AND HEALTH; 28. CREDIT-LOCATION OF INSURED; 11. MEDICAL MALPRACTICE; 16. WORKERS COMPENSATION; 17. OTHER LIABILITY;18 PRODUCTS LIABILITY-LOCATION OF RISK; 19. AUTO LIABILITY; 21. AUTO PHYSICAL DAMAGE-LOCATION OF PRINCIPAL GARAGE OF INSURED; 22.AIRCRAFT (ALL PERILS)-LOCATION OF AIRPORT FROM WHICH INSURED AIRCRAFT PRINCIPALLY OPERATE; 23. FIDELITY-FORGERY-LOCATION OFINSURED, PUBLIC AND FEDERAL OFFICIAL-LOCATION OF OFFICIAL, ALL OTHER FIDELITY-LOCATION OF EMPLOYER; 24. SURETY- CONTRACT-LOCATION OF PROJECT; ALL OTHER: LOCATION OF OBLIGEE

Page 86: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

SI04

SCHEDULE D - SUMMARY BY COUNTRY Long-Term Bonds and Stocks OWNED December 31 of Current Year

1 2 3 4Book/Adjusted Par Value

Description Carrying Value Fair Value Actual Cost of Bonds

BONDS 1. United States........................ ................3,129,650,368 ................3,198,091,193 ................3,215,780,447 ................3,084,264,338

Governments (Including all obligations 2. Canada................................. ...................741,703,661 ...................763,284,466 ...................752,169,586 ...................727,494,938

guaranteed by governments) 3. Other Countries.................... ...................161,172,211 ...................168,307,748 ...................166,493,005 ...................158,850,925

4. Totals.................................... ................4,032,526,239 ................4,129,683,407 ................4,134,443,039 ................3,970,610,201U.S. States, Territories and Possessions (Direct and guaranteed) 5. Totals.................................... ................5,504,525,560 ................5,773,960,157 ................5,780,437,674 ................5,393,175,000U.S. Political Subdivisions of States, Territories and Possessions (Direct and guaranteed) 6. Totals.................................... ..............16,000,140,971 ..............16,524,670,259 ..............16,532,485,343 ..............15,432,544,000U.S. Special Revenue and Special Assessment Obligations and All Non-Guaranteed Obligations of Agencies and Authorities of Governments and Their Political Subdivisions 7. Totals.................................... ..............13,718,226,385 ..............14,204,178,431 ..............14,155,605,139 ..............13,296,265,561

Industrial and Miscellaneous and 8. United States........................ ..............14,465,019,202 ..............14,941,183,157 ..............14,598,455,186 ..............14,519,574,700

Hybrid Securities (Unaffiliated) 9. Canada................................. ...................648,994,074 ...................665,596,280 ...................654,050,174 ...................638,219,759

10. Other Countries.................... ................2,161,024,922 ................2,223,429,691 ................2,166,838,262 ................2,176,071,534

11. Totals.................................... ..............17,275,038,198 ..............17,830,209,128 ..............17,419,343,622 ..............17,333,865,993

Parent, Subsidiaries and Affiliates 12. Totals.................................... ......................................0 ......................................0 ......................................0 ......................................0

13. Total Bonds......................... ..............56,530,457,354 ..............58,462,701,382 ..............58,022,314,817 ..............55,426,460,755

PREFERRED STOCKS 14. United States........................ .....................70,834,479 .....................75,657,800 .....................69,937,126

Industrial and Miscellaneous (Unaffiliated) 15. Canada................................. ......................................0 ......................................0 ......................................0

16. Other Countries.................... .....................33,492,125 .....................42,019,325 .....................28,326,500

17. Totals.................................... ...................104,326,604 ...................117,677,125 .....................98,263,626

Parent, Subsidiaries and Affiliates 18. Totals.................................... ......................................0 ......................................0 ......................................0

19. Total Preferred Stocks....... ...................104,326,604 ...................117,677,125 .....................98,263,626

COMMON STOCKS 20. United States........................ ...................426,301,549 ...................426,301,549 ...................247,821,833

Industrial and Miscellaneous (Unaffiliated) 21. Canada................................. ......................................0 ......................................0 .......................2,887,674

22. Other Countries.................... ..........................602,698 ..........................602,698 ..........................319,584

23. Totals.................................... ...................426,904,247 ...................426,904,247 ...................251,029,091

Parent, Subsidiaries and Affiliates 24. Totals.................................... ................1,010,243,875 ................1,010,243,875 ................2,041,271,121

25. Total Common Stocks....... ................1,437,148,122 ................1,437,148,123 ................2,292,300,212

26. Total Stocks........................ ................1,541,474,726 ................1,554,825,248 ................2,390,563,838

27. Total Bonds and Stocks.... ..............58,071,932,080 ..............60,017,526,630 ..............60,412,878,655

Page 87: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

SI05

SCHEDULE D - PART 1A - SECTION 1 Quality and Maturity Distribution of All Bonds Owned December 31, At Book/Adjusted Carrying Values By Major Types of Issues and NAIC Designations

1 2 3 4 5 6 7 8 9 10 111 Year Over 1 Year Over 5 Years Over 10 Years Over 20 Total Column 6 as a Total from Column % from Col. 7 Total Total

NAIC Designation or Less Through 5 Years Through 10 Years Through 20 Years Years Current Year % of Line 9.7 6 Prior Year Prior Year Publicly Traded Privately Placed (a)1. U.S. Governments

1.1 NAIC 1............................................................................................. ..........1,005,100,333 ..........1,369,760,909 .............662,063,870 ...............86,280,450 ...............13,613,263 ..........3,136,818,825 ............................5.4 ..........3,151,044,608 ............................5.4 ..........3,125,848,498 ...............10,970,3271.2 NAIC 2............................................................................................. ...............................0 .................1,442,620 ....................830,000 ...............................0 ...............................0 .................2,272,620 ............................0.0 ...............................0 ............................0.0 .................2,272,620 ...............................01.3 NAIC 3............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................01.4 NAIC 4............................................................................................. ...............................0 ...............................0 ...............................0 .................1,484,780 ...............................0 .................1,484,780 ............................0.0 ...............................0 ............................0.0 .................1,484,780 ...............................01.5 NAIC 5............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................01.6 NAIC 6............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................01.7 Totals............................................................................................... ..........1,005,100,333 ..........1,371,203,529 .............662,893,870 ...............87,765,229 ...............13,613,263 ..........3,140,576,224 ............................5.4 ..........3,151,044,608 ............................5.4 ..........3,129,605,897 ...............10,970,327

2. All Other Governments 2.1 NAIC 1............................................................................................. .............114,683,891 .............515,631,681 .............252,118,441 .................2,138,321 ...............................0 .............884,572,333 ............................1.5 ..........1,117,385,804 ............................1.9 .............852,595,647 ...............31,976,6872.2 NAIC 2............................................................................................. .................4,999,293 ...............12,552,118 .................8,896,865 ...............................0 ...............................0 ...............26,448,276 ............................0.0 ...............29,496,324 ............................0.1 ...............26,448,276 ...............................02.3 NAIC 3............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 .................2,230,580 ............................0.0 ...............................0 ...............................02.4 NAIC 4............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................02.5 NAIC 5............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................02.6 NAIC 6............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................02.7 Totals............................................................................................... .............119,683,183 .............528,183,799 .............261,015,306 .................2,138,321 ...............................0 .............911,020,609 ............................1.6 ..........1,149,112,709 ............................2.0 .............879,043,923 ...............31,976,687

3. U.S. States, Territories and Possessions, etc., Guaranteed 3.1 NAIC 1............................................................................................. ..........1,316,512,964 ..........2,221,255,475 ..........1,095,681,231 .............843,907,786 ...............................0 ..........5,477,357,456 ............................9.4 ..........6,157,485,232 ..........................10.5 ..........5,477,357,456 ...............................03.2 NAIC 2............................................................................................. .................5,026,695 .................7,206,974 ...............14,934,435 ...............................0 ...............................0 ...............27,168,105 ............................0.0 .............102,192,139 ............................0.2 ...............27,168,105 ...............................03.3 NAIC 3............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................03.4 NAIC 4............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................03.5 NAIC 5............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................03.6 NAIC 6............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................03.7 Totals............................................................................................... ..........1,321,539,659 ..........2,228,462,449 ..........1,110,615,667 .............843,907,786 ...............................0 ..........5,504,525,560 ............................9.4 ..........6,259,677,372 ..........................10.7 ..........5,504,525,560 ...............................0

4. U.S. Political Subdivisions of States, Territories and Possessions, Guaranteed

4.1 NAIC 1............................................................................................. ..........1,902,912,281 ..........4,400,063,609 ..........3,429,403,738 ..........5,888,109,718 .............169,213,171 ........15,789,702,517 ..........................27.0 ........15,634,998,092 ..........................26.7 ........15,781,662,517 .................8,040,0004.2 NAIC 2............................................................................................. .................5,000,000 ...............74,871,373 ...............88,835,478 ...............41,731,603 ...............................0 .............210,438,454 ............................0.4 .............184,226,317 ............................0.3 .............210,438,454 ...............................04.3 NAIC 3............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................04.4 NAIC 4............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................04.5 NAIC 5............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................04.6 NAIC 6............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................04.7 Totals............................................................................................... ..........1,907,912,281 ..........4,474,934,982 ..........3,518,239,216 ..........5,929,841,321 .............169,213,171 ........16,000,140,971 ..........................27.4 ........15,819,224,408 ..........................27.0 ........15,992,100,971 .................8,040,000

5. U.S. Special Revenue & Special Assessment Obligations, etc., Non-Guaranteed

5.1 NAIC 1............................................................................................. ..........2,379,611,855 ..........3,269,194,968 ..........2,604,974,024 ..........4,904,261,996 .............627,493,406 ........13,785,536,250 ..........................23.6 ........14,512,814,264 ..........................24.7 ........13,771,794,847 ...............13,741,4065.2 NAIC 2............................................................................................. ...............23,689,214 ...............28,563,933 .................5,010,634 ........................5,000 ...............................0 ...............57,268,781 ............................0.1 .............177,729,058 ............................0.3 ...............57,268,781 ...............................05.3 NAIC 3............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................05.4 NAIC 4............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................05.5 NAIC 5............................................................................................. ...............................0 ...............................0 .................5,771,353 ...............................0 ...............................0 .................5,771,353 ............................0.0 .................6,346,974 ............................0.0 ...............................0 .................5,771,3535.6 NAIC 6............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................3 ...............................3 ............................0.0 ....................552,028 ............................0.0 ...............................0 ...............................05.7 Totals............................................................................................... ..........2,403,301,070 ..........3,297,758,901 ..........2,615,756,010 ..........4,904,266,996 .............627,493,409 ........13,848,576,386 ..........................23.7 ........14,697,442,325 ..........................25.1 ........13,829,063,627 ...............19,512,758

Page 88: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

SI06

SCHEDULE D - PART 1A - SECTION 1 (continued) Quality and Maturity Distribution of All Bonds Owned December 31, At Book/Adjusted Carrying Values By Major Types of Issues and NAIC Designations

1 2 3 4 5 6 7 8 9 10 111 Year Over 1 Year Over 5 Years Over 10 Years Over 20 Total Column 6 as a Total from Column % from Col. 7 Total Total

NAIC Designation or Less Through 5 Years Through 10 Years Through 20 Years Years Current Year % of Line 9.7 6 Prior Year Prior Year Publicly Traded Privately Placed (a)6. Industrial and Miscellaneous (unaffiliated)

6.1 NAIC 1............................................................................................. ..........2,595,022,114 ..........4,007,700,792 ..........5,175,916,150 .............346,875,585 ...............35,888,319 ........12,161,402,959 ..........................20.8 ........11,000,128,238 ..........................18.8 ........10,744,357,219 ..........1,417,045,7416.2 NAIC 2............................................................................................. .............380,930,481 ..........2,071,992,605 ..........2,912,420,133 .............197,838,760 ...............32,172,042 ..........5,595,354,021 ............................9.6 ..........5,279,848,081 ............................9.0 ..........4,513,428,839 ..........1,081,925,1826.3 NAIC 3............................................................................................. ...............33,095,865 .............273,817,539 .............549,549,196 ...............12,851,803 ...............12,174,234 .............881,488,637 ............................1.5 .............810,489,315 ............................1.4 .............685,491,174 .............195,997,4636.4 NAIC 4............................................................................................. .................2,754,714 ...............81,657,283 .............279,711,115 .................1,132,414 ...............................0 .............365,255,526 ............................0.6 .............403,995,215 ............................0.7 .............283,748,837 ...............81,506,6896.5 NAIC 5............................................................................................. .................2,042,619 ...............38,718,187 ...............19,779,791 ....................123,188 ...............................0 ...............60,663,785 ............................0.1 ...............38,563,407 ............................0.1 ...............37,707,359 ...............22,956,4266.6 NAIC 6............................................................................................. .................2,523,131 .................7,898,194 .................2,316,557 ....................530,900 .................1,849,442 ...............15,118,225 ............................0.0 ...............35,271,278 ............................0.1 ...............13,195,072 .................1,923,1536.7 Totals............................................................................................... ..........3,016,368,925 ..........6,481,784,600 ..........8,939,692,941 .............559,352,651 ...............82,084,037 ........19,079,283,154 ..........................32.6 ........17,568,295,534 ..........................30.0 ........16,277,928,500 ..........2,801,354,653

7. Hybrid Securities 7.1 NAIC 1............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................07.2 NAIC 2............................................................................................. ...............................0 ...............................0 ...............................0 ....................686,810 .................8,078,930 .................8,765,740 ............................0.0 .................8,923,591 ............................0.0 .................5,068,690 .................3,697,0507.3 NAIC 3............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 .................1,527,570 .................1,527,570 ............................0.0 .................2,773,830 ............................0.0 ....................687,250 ....................840,3207.4 NAIC 4............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ....................874,950 ....................874,950 ............................0.0 ....................874,950 ............................0.0 ....................874,950 ...............................07.5 NAIC 5............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................07.6 NAIC 6............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................07.7 Totals............................................................................................... ...............................0 ...............................0 ...............................0 ....................686,810 ...............10,481,450 ...............11,168,260 ............................0.0 ...............12,572,371 ............................0.0 .................6,630,890 .................4,537,370

8. Parent, Subsidiaries and Affiliates 8.1 NAIC 1............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................08.2 NAIC 2............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................08.3 NAIC 3............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................08.4 NAIC 4............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................08.5 NAIC 5............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................08.6 NAIC 6............................................................................................. ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................08.7 Totals............................................................................................... ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ...............................0 ............................0.0 ...............................0 ............................0.0 ...............................0 ...............................0

Page 89: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

SI07

SCHEDULE D - PART 1A - SECTION 1 (continued) Quality and Maturity Distribution of All Bonds Owned December 31, At Book/Adjusted Carrying Values By Major Types of Issues and NAIC Designations

1 2 3 4 5 6 7 8 9 10 111 Year Over 1 Year Over 5 Years Over 10 Years Over 20 Total Column 6 as a Total from Column % from Col. 7 Total Total

NAIC Designation or Less Through 5 Years Through 10 Years Through 20 Years Years Current Year % of Line 9.7 6 Prior Year Prior Year Publicly Traded Privately Placed (a)9. Total Bonds Current Year

9.1 NAIC 1............................................................................................. (d).....9,313,843,438 ........15,783,607,433 ........13,220,157,454 ........12,071,573,856 .............846,208,159 ........51,235,390,340 ..........................87.6 ..............XXX............. ..............XXX............. ........49,753,616,183 ..........1,481,774,1609.2 NAIC 2............................................................................................. (d)........419,645,683 ..........2,196,629,624 ..........3,030,927,545 .............240,262,173 ...............40,250,972 ..........5,927,715,997 ..........................10.1 ..............XXX............. ..............XXX............. ..........4,842,093,765 ..........1,085,622,2329.3 NAIC 3............................................................................................. (d)..........33,095,865 .............273,817,539 .............549,549,196 ...............12,851,803 ...............13,701,804 .............883,016,207 ............................1.5 ..............XXX............. ..............XXX............. .............686,178,424 .............196,837,7839.4 NAIC 4............................................................................................. (d)............2,754,714 ...............81,657,283 .............279,711,115 .................2,617,194 ....................874,950 .............367,615,256 ............................0.6 ..............XXX............. ..............XXX............. .............286,108,567 ...............81,506,6899.5 NAIC 5............................................................................................. (d)............2,042,619 ...............38,718,187 ...............25,551,144 ....................123,188 ...............................0 (c)...........66,435,137 ............................0.1 ..............XXX............. ..............XXX............. ...............37,707,359 ...............28,727,7789.6 NAIC 6............................................................................................. (d)............2,523,131 .................7,898,194 .................2,316,557 ....................530,900 .................1,849,445 (c)...........15,118,228 ............................0.0 ..............XXX............. ..............XXX............. ...............13,195,072 .................1,923,1539.7 Totals............................................................................................... ..........9,773,905,451 ........18,382,328,260 ........17,108,213,010 ........12,327,959,114 .............902,885,331 (b)...58,495,291,165 ........................100.0 ..............XXX............. ..............XXX............. ........55,618,899,370 ..........2,876,391,7959.8 Line 9.7 as a % of Col. 6................................................................. ..........................16.7 ..........................31.4 ..........................29.2 ..........................21.1 ............................1.5 ........................100.0 ..............XXX............. ..............XXX............. ..............XXX............. ..........................95.1 ............................4.9

10. Total Bonds Prior Year 10.1 NAIC 1............................................................................................. ..........6,087,902,720 ........18,277,669,986 ........13,742,466,411 ........12,409,924,746 ..........1,055,892,375 ..............XXX............. ..............XXX............. ........51,573,856,238 ..........................87.9 ........50,150,151,900 ..........1,423,704,33810.2 NAIC 2............................................................................................. .............436,134,159 ..........2,235,927,633 ..........2,785,870,378 .............282,175,591 ...............42,307,750 ..............XXX............. ..............XXX............. ..........5,782,415,511 ............................9.9 ..........4,708,994,457 ..........1,073,421,05310.3 NAIC 3............................................................................................. ...............27,583,689 .............285,012,205 .............462,951,823 ...............23,134,907 ...............16,811,101 ..............XXX............. ..............XXX............. .............815,493,725 ............................1.4 .............638,916,591 .............176,577,13410.4 NAIC 4............................................................................................. .................7,937,874 .............118,759,431 .............258,910,592 ...............18,387,319 ....................874,950 ..............XXX............. ..............XXX............. .............404,870,165 ............................0.7 .............285,152,155 .............119,718,01010.5 NAIC 5............................................................................................. .................2,011,053 ...............27,607,323 ...............15,207,246 ......................84,760 ...............................0 ..............XXX............. ..............XXX............. (c)...........44,910,381 ............................0.1 ...............35,210,105 .................9,700,27710.6 NAIC 6............................................................................................. .................1,611,011 ...............14,552,427 ...............15,622,110 ...........................209 .................4,037,549 ..............XXX............. ..............XXX............. (c)...........35,823,306 ............................0.1 ...............23,952,190 ...............11,871,11610.7 Totals............................................................................................... ..........6,563,180,505 ........20,959,529,004 ........17,281,028,560 ........12,733,707,532 ..........1,119,923,725 ..............XXX............. ..............XXX............. (b)...58,657,369,327 ........................100.0 ........55,842,377,398 ..........2,814,991,92910.8 Line 10.7 as a % of Col. 8............................................................... ..........................11.2 ..........................35.7 ..........................29.5 ..........................21.7 ............................1.9 ..............XXX............. ..............XXX............. ........................100.0 ..............XXX............. ..........................95.2 ............................4.8

11. Total Publicly Traded Bonds 11.1 NAIC 1............................................................................................. ..........9,188,862,515 ........15,053,207,283 ........12,679,765,107 ........11,986,423,123 .............845,358,153 ........49,753,616,181 ..........................85.1 ........50,150,151,900 ..........................85.5 ........49,753,616,181 ..............XXX.............11.2 NAIC 2............................................................................................. .............329,296,539 ..........1,772,074,122 ..........2,514,568,619 .............197,375,793 ...............28,778,692 ..........4,842,093,765 ............................8.3 ..........4,708,994,457 ............................8.0 ..........4,842,093,765 ..............XXX.............11.3 NAIC 3............................................................................................. ...............33,095,865 .............211,871,888 .............417,894,047 ...............10,455,139 ...............12,861,484 .............686,178,424 ............................1.2 .............638,916,591 ............................1.1 .............686,178,424 ..............XXX.............11.4 NAIC 4............................................................................................. .................2,754,714 ...............61,611,699 .............219,250,010 .................1,617,194 ....................874,950 .............286,108,567 ............................0.5 .............285,152,155 ............................0.5 .............286,108,567 ..............XXX.............11.5 NAIC 5............................................................................................. ....................761,548 ...............17,042,833 ...............19,779,791 ....................123,188 ...............................0 ...............37,707,359 ............................0.1 ...............35,210,105 ............................0.1 ...............37,707,359 ..............XXX.............11.6 NAIC 6............................................................................................. .................2,523,131 .................6,444,979 .................1,880,518 ....................497,701 .................1,848,745 ...............13,195,074 ............................0.0 ...............23,952,190 ............................0.0 ...............13,195,074 ..............XXX.............11.7 Totals............................................................................................... ..........9,557,294,311 ........17,122,252,805 ........15,853,138,092 ........12,196,492,137 .............889,722,024 ........55,618,899,370 ..........................95.1 ........55,842,377,398 ..........................95.2 ........55,618,899,370 ..............XXX.............11.8 Line 11.7 as a % of Col. 6............................................................... ..........................17.2 ..........................30.8 ..........................28.5 ..........................21.9 ............................1.6 ........................100.0 ..............XXX............. ..............XXX............. ..............XXX............. ........................100.0 ..............XXX.............11.9 Line 11.7 as a % of Line 9.7, Col. 6, Section 9.............................. ..........................16.3 ..........................29.3 ..........................27.1 ..........................20.9 ............................1.5 ..........................95.1 ..............XXX............. ..............XXX............. ..............XXX............. ..........................95.1 ..............XXX.............

12. Total Privately Placed Bonds 12.1 NAIC 1............................................................................................. .............124,980,923 .............730,400,151 .............540,392,346 ...............85,150,733 ....................850,007 ..........1,481,774,160 ............................2.5 ..........1,423,704,338 ............................2.4 ..............XXX............. ..........1,481,774,16012.2 NAIC 2............................................................................................. ...............90,349,144 .............424,555,502 .............516,358,926 ...............42,886,380 ...............11,472,280 ..........1,085,622,232 ............................1.9 ..........1,073,421,053 ............................1.8 ..............XXX............. ..........1,085,622,23212.3 NAIC 3............................................................................................. ...............................0 ...............61,945,651 .............131,655,149 .................2,396,664 ....................840,320 .............196,837,783 ............................0.3 .............176,577,134 ............................0.3 ..............XXX............. .............196,837,78312.4 NAIC 4............................................................................................. ...............................0 ...............20,045,584 ...............60,461,105 .................1,000,000 ...............................0 ...............81,506,689 ............................0.1 .............119,718,010 ............................0.2 ..............XXX............. ...............81,506,68912.5 NAIC 5............................................................................................. .................1,281,072 ...............21,675,354 .................5,771,353 ...............................0 ...............................0 ...............28,727,778 ............................0.0 .................9,700,277 ............................0.0 ..............XXX............. ...............28,727,77812.6 NAIC 6............................................................................................. ...............................0 .................1,453,215 ....................436,039 ......................33,199 ...........................700 .................1,923,153 ............................0.0 ...............11,871,116 ............................0.0 ..............XXX............. .................1,923,15312.7 Totals............................................................................................... .............216,611,140 ..........1,260,075,455 ..........1,255,074,917 .............131,466,977 ...............13,163,307 ..........2,876,391,795 ............................4.9 ..........2,814,991,929 ............................4.8 ..............XXX............. ..........2,876,391,79512.8 Line 12.7 as a % of Col. 6............................................................... ............................7.5 ..........................43.8 ..........................43.6 ............................4.6 ............................0.5 ........................100.0 ..............XXX............. ..............XXX............. ..............XXX............. ..............XXX............. ........................100.012.9 Line 12.7 as a % of Line 9.7, Col. 6, Section 9.............................. ............................0.4 ............................2.2 ............................2.1 ............................0.2 ............................0.0 ............................4.9 ..............XXX............. ..............XXX............. ..............XXX............. ..............XXX............. ............................4.9

(a) Includes $.....1,961,585,279 freely tradable under SEC Rule 144 or qualified for resale under SEC Rule 144A. (b) Includes $.....196,429,575 current year, $.....51,000,000 prior year of bonds with Z designations and $..........0 current year, $..........0 prior year of bonds with Z* designations. The letter "Z" means the NAIC designation was not assigned by the

Securities Valuation Office (SVO) at the date of the statement. "Z*" means the SVO could not evaluate the obligation because valuation procedures for the security class are under regulatory review. (c) Includes $.....26,542,667 current year, $.....6,346,974 prior year of bonds with 5* designations and $.....424,156 current year, $.....10,927,227 prior year of bonds with 6* designations. "5*" means the NAIC designation was assigned by the SVO in reliance on

the insurer's certification that the issuer is current in all principal and interest payments. "6*" means the NAIC designation was assigned by the SVO due to inadequate certification of principal and interest payments. (d) Includes the following amount of non-rated short-term and cash equivalent bonds by NAIC designation: NAIC 1 $............0; NAIC 2 $............0; NAIC 3 $............0; NAIC 4 $............0; NAIC 5 $............0; NAIC 6 $............0.

Page 90: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

SI08

SCHEDULE D - PART 1A - SECTION 2 Maturity Distribution of All Bonds Owned December 31, At Book/Adjusted Carrying Values By Major Type and Subtype of Issues

1 2 3 4 5 6 7 8 9 10 111 Year Over 1 Year Over 5 Years Over 10 Years Over 20 Total Column 6 as a Total from Column % from Col. 7 Total Total

Distribution by Type or Less Through 5 Years Through 10 Years Through 20 Years Years Current Year % of Line 9.5 6 Prior Year Prior Year Publicly Traded Privately Placed1. U.S. Governments

1.1 Issuer Obligations.................................................................................... .............842,784,555 .............906,392,618 .............468,128,421 .............19,104,098 ...............9,741,626 ..........2,246,151,318 ............................3.8 ..........2,140,391,864 ..........................3.6 ..........2,246,151,318 .............................01.2 Residential Mortgage-Backed Securities................................................ .............138,804,190 .............386,706,410 .............145,132,599 .............39,836,471 ...............3,871,637 .............714,351,307 ............................1.2 .............893,626,347 ..........................1.5 .............707,483,963 ...............6,867,3441.3 Commercial Mortgage-Backed Securities.............................................. .................8,063,449 ...............29,905,176 .................4,473,540 ...............2,470,765 .............................0 ...............44,912,930 ............................0.1 ...............45,823,296 ..........................0.1 ...............40,809,947 ...............4,102,9831.4 Other Loan-Backed and Structured Securities....................................... ...............15,448,139 ...............48,199,325 ...............45,159,310 .............26,353,895 .............................0 .............135,160,669 ............................0.2 ...............71,203,101 ..........................0.1 .............135,160,669 .............................01.5 Totals....................................................................................................... ..........1,005,100,333 ..........1,371,203,529 .............662,893,870 .............87,765,229 .............13,613,263 ..........3,140,576,224 ............................5.4 ..........3,151,044,608 ..........................5.4 ..........3,129,605,897 .............10,970,327

2. All Other Governments 2.1 Issuer Obligations.................................................................................... .............119,501,313 .............526,409,816 .............261,015,306 ...............2,138,321 .............................0 .............909,064,756 ............................1.6 ..........1,149,112,709 ..........................2.0 .............877,088,070 .............31,976,6872.2 Residential Mortgage-Backed Securities................................................ ....................181,870 .................1,773,983 ...............................0 .............................0 .............................0 .................1,955,853 ............................0.0 ...............................0 ..........................0.0 .................1,955,853 .............................02.3 Commercial Mortgage-Backed Securities.............................................. ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................02.4 Other Loan-Backed and Structured Securities....................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................02.5 Totals....................................................................................................... .............119,683,183 .............528,183,799 .............261,015,306 ...............2,138,321 .............................0 .............911,020,609 ............................1.6 ..........1,149,112,709 ..........................2.0 .............879,043,923 .............31,976,687

3. U.S. States, Territories and Possessions, Guaranteed 3.1 Issuer Obligations.................................................................................... ..........1,321,539,659 ..........2,228,462,449 ..........1,110,615,667 ...........843,907,786 .............................0 ..........5,504,525,560 ............................9.4 ..........6,259,677,372 ........................10.7 ..........5,504,525,560 .............................03.2 Residential Mortgage-Backed Securities................................................ ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................03.3 Commercial Mortgage-Backed Securities.............................................. ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................03.4 Other Loan-Backed and Structured Securities....................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................03.5 Totals....................................................................................................... ..........1,321,539,659 ..........2,228,462,449 ..........1,110,615,667 ...........843,907,786 .............................0 ..........5,504,525,560 ............................9.4 ..........6,259,677,372 ........................10.7 ..........5,504,525,560 .............................0

4. U.S. Political Subdivisions of States, Territories and Possessions, Guaranteed

4.1 Issuer Obligations.................................................................................... ..........1,907,912,281 ..........4,474,934,982 ..........3,518,239,216 ........5,929,841,321 ...........169,213,171 ........16,000,140,971 ..........................27.4 ........15,819,224,408 ........................27.0 ........15,992,100,971 ...............8,040,0004.2 Residential Mortgage-Backed Securities................................................ ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................04.3 Commercial Mortgage-Backed Securities.............................................. ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................04.4 Other Loan-Backed and Structured Securities....................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................04.5 Totals....................................................................................................... ..........1,907,912,281 ..........4,474,934,982 ..........3,518,239,216 ........5,929,841,321 ...........169,213,171 ........16,000,140,971 ..........................27.4 ........15,819,224,408 ........................27.0 ........15,992,100,971 ...............8,040,000

5. U.S. Special Revenue & Special Assessment Obligations, etc., Non-Guaranteed

5.1 Issuer Obligations.................................................................................... ..........2,189,282,243 ..........2,822,028,241 ..........2,454,038,489 ........4,865,127,104 ...........624,291,680 ........12,954,767,758 ..........................22.1 ........13,577,352,183 ........................23.1 ........12,940,070,208 .............14,697,5495.2 Residential Mortgage-Backed Securities................................................ .............213,150,044 .............467,534,584 .............158,277,419 .............39,139,893 ...............3,201,729 .............881,303,669 ............................1.5 ..........1,107,479,021 ..........................1.9 .............876,488,459 ...............4,815,2105.3 Commercial Mortgage-Backed Securities.............................................. ....................868,783 .................8,196,076 .................3,440,101 .............................0 .............................0 ...............12,504,959 ............................0.0 ...............12,611,121 ..........................0.0 ...............12,504,959 .............................05.4 Other Loan-Backed and Structured Securities....................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................05.5 Totals....................................................................................................... ..........2,403,301,070 ..........3,297,758,901 ..........2,615,756,010 ........4,904,266,996 ...........627,493,409 ........13,848,576,386 ..........................23.7 ........14,697,442,325 ........................25.1 ........13,829,063,627 .............19,512,758

6. Industrial and Miscellaneous (unaffiliated) 6.1 Issuer Obligations.................................................................................... ..........2,762,994,371 ..........5,895,813,527 ..........8,506,318,319 ...........464,093,625 .............75,257,793 ........17,704,477,636 ..........................30.3 ........16,027,123,190 ........................27.3 ........15,108,356,751 ........2,596,120,8856.2 Residential Mortgage-Backed Securities................................................ .............195,968,704 .............421,958,486 .............178,643,741 .............85,848,216 ...............6,826,243 .............889,245,390 ............................1.5 ..........1,012,746,357 ..........................1.7 .............827,501,021 .............61,744,3696.3 Commercial Mortgage-Backed Securities.............................................. ...............38,566,287 .............124,832,557 .............241,372,690 ...............4,400,344 .............................0 .............409,171,878 ............................0.7 .............367,688,034 ..........................0.6 .............288,892,932 ...........120,278,9456.4 Other Loan-Backed and Structured Securities....................................... ...............18,839,563 ...............39,180,029 ...............13,358,192 ...............5,010,466 .............................0 ...............76,388,250 ............................0.1 .............160,737,954 ..........................0.3 ...............53,177,796 .............23,210,4546.5 Totals....................................................................................................... ..........3,016,368,925 ..........6,481,784,600 ..........8,939,692,941 ...........559,352,651 .............82,084,037 ........19,079,283,154 ..........................32.6 ........17,568,295,534 ........................30.0 ........16,277,928,500 ........2,801,354,653

7. Hybrid Securities 7.1 Issuer Obligations.................................................................................... ...............................0 ...............................0 ...............................0 ..................686,810 .............10,481,450 ...............11,168,260 ............................0.0 ...............12,572,371 ..........................0.0 .................6,630,890 ...............4,537,3707.2 Residential Mortgage-Backed Securities................................................ ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................07.3 Commercial Mortgage-Backed Securities.............................................. ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................07.4 Other Loan-Backed and Structured Securities....................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................07.5 Totals....................................................................................................... ...............................0 ...............................0 ...............................0 ..................686,810 .............10,481,450 ...............11,168,260 ............................0.0 ...............12,572,371 ..........................0.0 .................6,630,890 ...............4,537,370

8. Parent, Subsidiaries and Affiliates 8.1 Issuer Obligations.................................................................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................08.2 Residential Mortgage-Backed Securities................................................ ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................08.3 Commercial Mortgage-Backed Securities.............................................. ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................08.4 Other Loan-Backed and Structured Securities....................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................08.5 Totals....................................................................................................... ...............................0 ...............................0 ...............................0 .............................0 .............................0 ...............................0 ............................0.0 ...............................0 ..........................0.0 ...............................0 .............................0

Page 91: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

SI09

SCHEDULE D - PART 1A - SECTION 2 (continued) Maturity Distribution of All Bonds Owned December 31, At Book/Adjusted Carrying Values By Major Type and Subtype of Issues

1 2 3 4 5 6 7 8 9 10 111 Year Over 1 Year Over 5 Years Over 10 Years Over 20 Total Column 6 as a Total from Column % from Col. 7 Total Total

Distribution by Type or Less Through 5 Years Through 10 Years Through 20 Years Years Current Year % of Line 9.5 6 Prior Year Prior Year Publicly Traded Privately Placed9. Total Bonds Current Year

9.1 Issuer Obligations.................................................................................... ..........9,144,014,422 ........16,854,041,633 ........16,318,355,418 ......12,124,899,065 ...........888,985,721 ........55,330,296,259 ..........................94.6 ..............XXX............. ..............XXX........... ........52,674,923,768 ........2,655,372,4909.2 Residential Mortgage-Backed Securities................................................ .............548,104,807 ..........1,277,973,463 .............482,053,759 ...........164,824,580 .............13,899,609 ..........2,486,856,219 ............................4.3 ..............XXX............. ..............XXX........... ..........2,413,429,296 .............73,426,9239.3 Commercial Mortgage-Backed Securities.............................................. ...............47,498,519 .............162,933,809 .............249,286,331 ...............6,871,108 .............................0 .............466,589,768 ............................0.8 ..............XXX............. ..............XXX........... .............342,207,839 ...........124,381,9289.4 Other Loan-Backed and Structured Securities....................................... ...............34,287,702 ...............87,379,354 ...............58,517,502 .............31,364,361 .............................0 .............211,548,919 ............................0.4 ..............XXX............. ..............XXX........... .............188,338,465 .............23,210,4549.5 Totals....................................................................................................... ..........9,773,905,451 ........18,382,328,260 ........17,108,213,010 ......12,327,959,114 ...........902,885,331 ........58,495,291,165 ........................100.0 ..............XXX............. ..............XXX........... ........55,618,899,369 ........2,876,391,7959.6 Line 9.5 as a % of Col. 6......................................................................... ..........................16.7 ..........................31.4 ..........................29.2 ........................21.1 ..........................1.5 ........................100.0 ..............XXX............. ..............XXX............. ..............XXX........... ..........................95.1 ..........................4.9

10. Total Bonds Prior Year 10.1 Issuer Obligations.................................................................................... ..........6,091,139,498 ........19,168,577,784 ........16,311,745,613 ......12,531,460,486 ...........882,530,715 ..............XXX............. ..............XXX............. ........54,985,454,097 ........................93.7 ........52,340,157,565 ........2,645,296,53210.2 Residential Mortgage-Backed Securities................................................ .............324,518,675 ..........1,692,829,972 .............720,327,532 ...........161,723,104 ...........114,452,442 ..............XXX............. ..............XXX............. ..........3,013,851,725 ..........................5.1 ..........2,954,963,242 .............58,888,48310.3 Commercial Mortgage-Backed Securities.............................................. ...............73,675,917 ...............66,517,797 .............152,400,057 .............10,588,114 ...........122,940,566 ..............XXX............. ..............XXX............. .............426,122,450 ..........................0.7 .............372,380,793 .............53,741,65710.4 Other Loan-Backed and Structured Securities....................................... ...............73,846,415 ...............31,603,451 ...............96,555,358 .............29,935,829 .............................1 ..............XXX............. ..............XXX............. .............231,941,054 ..........................0.4 .............174,875,798 .............57,065,25710.5 Totals....................................................................................................... ..........6,563,180,505 ........20,959,529,004 ........17,281,028,560 ......12,733,707,533 ........1,119,923,725 ..............XXX............. ..............XXX............. ........58,657,369,327 ......................100.0 ........55,842,377,398 ........2,814,991,92910.6 Line 10.5 as a % of Col. 8....................................................................... ..........................11.2 ..........................35.7 ..........................29.5 ........................21.7 ..........................1.9 ..............XXX............. ..............XXX............. ........................100.0 ..............XXX........... ..........................95.2 ..........................4.8

11. Total Publicly Traded Bonds 11.1 Issuer Obligations.................................................................................... ..........8,952,304,688 ........15,688,919,387 ........15,148,526,028 ......12,008,500,545 ...........876,673,121 ........52,674,923,769 ..........................90.0 ........52,340,157,565 ........................89.2 ........52,674,923,769 ..............XXX...........11.2 Residential Mortgage-Backed Securities................................................ .............532,990,516 ..........1,245,037,184 .............464,072,924 ...........158,279,770 .............13,048,903 ..........2,413,429,296 ............................4.1 ..........2,954,963,242 ..........................5.0 ..........2,413,429,296 ..............XXX...........11.3 Commercial Mortgage-Backed Securities.............................................. ...............41,561,028 .............110,288,355 .............187,887,691 ...............2,470,765 .............................0 .............342,207,839 ............................0.6 .............372,380,793 ..........................0.6 .............342,207,839 ..............XXX...........11.4 Other Loan-Backed and Structured Securities....................................... ...............30,438,079 ...............78,007,878 ...............52,651,449 .............27,241,058 .............................0 .............188,338,465 ............................0.3 .............174,875,798 ..........................0.3 .............188,338,465 ..............XXX...........11.5 Totals....................................................................................................... ..........9,557,294,311 ........17,122,252,805 ........15,853,138,092 ......12,196,492,138 ...........889,722,024 ........55,618,899,369 ..........................95.1 ........55,842,377,398 ........................95.2 ........55,618,899,369 ..............XXX...........11.6 Line 11.5 as a % of Col. 6....................................................................... ..........................17.2 ..........................30.8 ..........................28.5 ........................21.9 ..........................1.6 ........................100.0 ..............XXX............. ..............XXX............. ..............XXX........... ........................100.0 ..............XXX...........11.7 Line 11.5 as a % of Line 9.5, Col. 6, Section 9....................................... ..........................16.3 ..........................29.3 ..........................27.1 ........................20.9 ..........................1.5 ..........................95.1 ..............XXX............. ..............XXX............. ..............XXX........... ..........................95.1 ..............XXX...........

12. Total Privately Placed Bonds 12.1 Issuer Obligations.................................................................................... .............191,709,734 ..........1,165,122,246 ..........1,169,829,390 ...........116,398,520 .............12,312,600 ..........2,655,372,490 ............................4.5 ..........2,645,296,532 ..........................4.5 ..............XXX............. ........2,655,372,49012.2 Residential Mortgage-Backed Securities................................................ ...............15,114,292 ...............32,936,279 ...............17,980,835 ...............6,544,810 ..................850,707 ...............73,426,923 ............................0.1 ...............58,888,483 ..........................0.1 ..............XXX............. .............73,426,92312.3 Commercial Mortgage-Backed Securities.............................................. .................5,937,491 ...............52,645,454 ...............61,398,639 ...............4,400,344 .............................0 .............124,381,928 ............................0.2 ...............53,741,657 ..........................0.1 ..............XXX............. ...........124,381,92812.4 Other Loan-Backed and Structured Securities....................................... .................3,849,623 .................9,371,476 .................5,866,053 ...............4,123,302 .............................0 ...............23,210,454 ............................0.0 ...............57,065,257 ..........................0.1 ..............XXX............. .............23,210,45412.5 Totals....................................................................................................... .............216,611,140 ..........1,260,075,455 ..........1,255,074,917 ...........131,466,977 .............13,163,307 ..........2,876,391,795 ............................4.9 ..........2,814,991,929 ..........................4.8 ..............XXX............. ........2,876,391,79512.6 Line 12.5 as a % of Col. 6....................................................................... ............................7.5 ..........................43.8 ..........................43.6 ..........................4.6 ..........................0.5 ........................100.0 ..............XXX............. ..............XXX............. ..............XXX........... ..............XXX............. ......................100.012.7 Line 12.5 as a % of Line 9.5, Col. 6, Section 9....................................... ............................0.4 ............................2.2 ............................2.1 ..........................0.2 ..........................0.0 ............................4.9 ..............XXX............. ..............XXX............. ..............XXX........... ..............XXX............. ..........................4.9

Page 92: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

E10

SCHEDULE D - PART 1 Showing all Long-Term BONDS Owned December 31 of Current Year

1 2 Codes 6 7 Fair Value 10 11 Change in Book/Adjusted Carrying Value Interest Dates3 4 5 8 9 12 13 14 15 16 17 18 19 20 21 22

Fo Rate Currentr Used Year's Totale to Unrealized Current Other Than Foreign Admitted Amounti NAIC Obtain Valuation Year's Temporary Exchange Effective Amount Received

CUSIP g Bond Desig- Fair Fair Book/Adjusted Increase/ (Amortization)/ Impairment Change in Rate Rate When Due and DuringIdentification Description Code n CHAR nation Actual Cost Value Value Par Value Carrying Value (Decrease) Accretion Recognized B./A.C.V. of of Paid Accrued Year Acquired Maturity

0199999. U.S. Government - Issuer Obligations......................................................................................................... .......2,323,276,319 ....XXX........ .......2,270,768,399 .......2,193,454,447 .......2,235,225,462 .......................0 ......(18,477,362) .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......16,035,511 .......54,369,343 .....XXX...... .....XXX......0299999. U.S. Government - Residential Mortgage-Backed Securities....................................................................... ..........713,010,338 ....XXX........ ..........747,117,483 ..........710,386,800 ..........714,351,307 .......................0 ...........(345,402) .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .........2,386,039 .......28,481,899 .....XXX...... .....XXX......0399999. U.S. Government - Commercial Mortgage-Backed Securities...................................................................... ............44,409,609 ....XXX........ ............45,572,995 ............45,414,260 ............44,912,930 .......................0 ............121,369 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... ............154,536 .........1,508,466 .....XXX...... .....XXX......0499999. U.S. Government - Other Loan-Backed and Structured Securities............................................................... ..........135,084,181 ....XXX........ ..........134,632,317 ..........135,008,830 ..........135,160,669 .......................0 ..............81,359 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .........1,045,640 .........1,998,267 .....XXX...... .....XXX......0599999. Total - U.S. Government.............................................................................................................................. .......3,215,780,447 ....XXX........ .......3,198,091,193 .......3,084,264,338 .......3,129,650,368 .......................0 ......(18,620,036) .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......19,621,727 .......86,357,974 .....XXX...... .....XXX......0699999. All Other Governments - Issuer Obligations................................................................................................. ..........916,707,488 ....XXX........ ..........929,636,892 ..........884,358,748 ..........900,920,018 .......................0 ........(4,240,596) .........................0 ............936,889 ....XXX........ ....XXX...... .XXX... .........6,112,468 .......32,577,610 .....XXX...... .....XXX......0799999. All Other Governments - Residential Mortgage-Backed Securities............................................................... ..............1,955,103 ....XXX........ ..............1,955,322 ..............1,987,116 ..............1,955,853 .......................0 ...................750 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... ................2,858 ................2,887 .....XXX...... .....XXX......0899999. All Other Gov't - Commercial Mortgage-Backed Securities.......................................................................... ............................0 ....XXX........ ............................0 ............................0 ............................0 .......................0 .......................0 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......................0 .......................0 .....XXX...... .....XXX......0999999. All Other Governments - Other Loan-Backed and Structured Securities....................................................... ............................0 ....XXX........ ............................0 ............................0 ............................0 .......................0 .......................0 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......................0 .......................0 .....XXX...... .....XXX......1099999. Total - All Other Governments..................................................................................................................... ..........918,662,591 ....XXX........ ..........931,592,214 ..........886,345,863 ..........902,875,871 .......................0 ........(4,239,846) .........................0 ............936,889 ....XXX........ ....XXX...... .XXX... .........6,115,326 .......32,580,498 .....XXX...... .....XXX......1199999. U.S. States, Territories & Possessions - Issuer Obligations............................................... .......5,780,437,674 ....XXX........ .......5,773,960,157 .......5,393,175,000 .......5,504,525,560 .......................0 ......(45,126,483) .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......77,501,069 .....259,449,702 .....XXX...... .....XXX......1299999. U.S. States, Territories - Residential Mortgage-Backed Securities............................................................... ............................0 ....XXX........ ............................0 ............................0 ............................0 .......................0 .......................0 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......................0 .......................0 .....XXX...... .....XXX......1399999. U.S. States, Territories - Commercial Mortgage-Backed Securities............................................................. ............................0 ....XXX........ ............................0 ............................0 ............................0 .......................0 .......................0 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......................0 .......................0 .....XXX...... .....XXX......1499999. U.S. States, Territories - Other Loan-Backed and Structured Securities....................................................... ............................0 ....XXX........ ............................0 ............................0 ............................0 .......................0 .......................0 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......................0 .......................0 .....XXX...... .....XXX......1799999. Total - U.S. States, Territories & Possessions (Direct and Guaranteed)....................................................... .......5,780,437,674 ....XXX........ .......5,773,960,157 .......5,393,175,000 .......5,504,525,560 .......................0 ......(45,126,483) .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......77,501,069 .....259,449,702 .....XXX...... .....XXX......1899999. U.S. Political Subdivisions of States, Territories & Possessions - Issuer Obligations.................................... .....16,532,485,343 ....XXX........ .....16,524,670,259 .....15,432,544,000 .....16,000,140,971 .............(95,483) ....(112,525,244) .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .....209,190,114 .....683,552,813 .....XXX...... .....XXX......1999999. U.S. Political Subdivisions - Residential Mortgage-Backed Securities.......................................................... ............................0 ....XXX........ ............................0 ............................0 ............................0 .......................0 .......................0 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......................0 .......................0 .....XXX...... .....XXX......2099999. U.S. Political Subdivisions - Commercial Mortgage-Backed Securities......................................................... ............................0 ....XXX........ ............................0 ............................0 ............................0 .......................0 .......................0 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......................0 .......................0 .....XXX...... .....XXX......2199999. U.S. Political Subdivisions - Other Loan-Backed and Structured Securities.................................................. ............................0 ....XXX........ ............................0 ............................0 ............................0 .......................0 .......................0 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......................0 .......................0 .....XXX...... .....XXX......2499999. Total - U.S. Political Subdivisions of States, Territories & Possessions........................................................ .....16,532,485,343 ....XXX........ .....16,524,670,259 .....15,432,544,000 .....16,000,140,971 .............(95,483) ....(112,525,244) .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .....209,190,114 .....683,552,813 .....XXX...... .....XXX......2599999. U.S. Special Revenue & Assessment Obligations - Issuer Obligations........................................................ .....13,276,008,391 ....XXX........ .....13,236,202,750 .....12,392,520,054 .....12,824,417,758 .......................0 ......(91,280,573) .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .....181,864,040 .....543,471,154 .....XXX...... .....XXX......2699999. U.S. Special Revenue - Residential Mortgage-Backed Securities................................................................ ..........867,260,720 ....XXX........ ..........954,341,447 ..........891,014,808 ..........881,303,669 .......................0 ............379,116 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .........3,998,146 .......41,154,135 .....XXX...... .....XXX......2799999. U.S. Special Revenue - Commercial Mortgage-Backed Securities............................................................... ............12,336,027 ....XXX........ ............13,634,234 ............12,730,700 ............12,504,959 .......................0 ..............31,096 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... ..............50,029 ............608,922 .....XXX...... .....XXX......2899999. U.S. Special Revenue - Other Loan-Backed and Structured Securities........................................................ ............................0 ....XXX........ ............................0 ............................0 ............................0 .......................0 .......................0 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......................0 .......................0 .....XXX...... .....XXX......3199999. Total - U.S. Special Revenue & Special Assessment Obligations................................................................ .....14,155,605,139 ....XXX........ .....14,204,178,431 .....13,296,265,562 .....13,718,226,386 .......................0 ......(90,870,361) .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .....185,912,216 .....585,234,211 .....XXX...... .....XXX......3299999. Industrial & Miscellaneous (Unaffiliated) - Issuer Obligations....................................................................... .....15,994,671,581 ....XXX........ .....16,331,123,331 .....15,740,198,062 .....15,889,064,419 ........(5,483,616) ......(42,250,614) ............6,209,013 .......................0 ....XXX........ ....XXX...... .XXX... .....174,231,930 .....617,555,439 .....XXX...... .....XXX......3399999. Industrial & Miscellaneous (Unaffiliated) - Residential Mortgage-Backed Securities..................................... ..........915,712,882 ....XXX........ ..........978,660,914 .......1,054,658,229 ..........889,245,390 ...........(273,675) ......(14,159,440) ............2,367,865 ..................(371) ....XXX........ ....XXX...... .XXX... .........3,404,398 .......38,663,461 .....XXX...... .....XXX......3499999. Industrial & Miscellaneous - Commercial Mortgage-Backed Securities........................................................ ..........415,701,621 ....XXX........ ..........408,750,251 ..........412,650,675 ..........409,171,878 ........(7,535,107) .............(33,150) .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .........1,185,032 .........9,859,211 .....XXX...... .....XXX......3599999. Industrial & Miscellaneous - Other Loan-Backed and Structured Securities................................................. ............82,104,498 ....XXX........ ............83,095,398 ............98,190,027 ............76,388,250 ..............59,256 ...........(224,082) .........................0 .......................0 ....XXX........ ....XXX...... .XXX... ............406,857 .........6,269,275 .....XXX...... .....XXX......3899999. Total - Industrial & Miscellaneous (Unaffiliated)........................................................................................... .....17,408,190,582 ....XXX........ .....17,801,629,894 .....17,305,696,993 .....17,263,869,937 ......(13,233,142) ......(56,667,286) ............8,576,877 ..................(371) ....XXX........ ....XXX...... .XXX... .....179,228,217 .....672,347,386 .....XXX...... .....XXX......4299999. Hybrid Securities - Issuer Obligations.......................................................................................................... ............11,153,040 ....XXX........ ............28,579,234 ............28,169,000 ............11,168,260 .......................0 ................5,889 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... ............153,198 .........1,614,933 .....XXX...... .....XXX......4399999. Hybrid Securities - Residential Mortgage-Backed Securities........................................................................ ............................0 ....XXX........ ............................0 ............................0 ............................0 .......................0 .......................0 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......................0 .......................0 .....XXX...... .....XXX......4499999. Hybrid Securities - Commercial Mortgage-Backed Securities....................................................................... ............................0 ....XXX........ ............................0 ............................0 ............................0 .......................0 .......................0 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......................0 .......................0 .....XXX...... .....XXX......4599999. Hybrid Securities - Other Loan-Backed and Structured Securities................................................................ ............................0 ....XXX........ ............................0 ............................0 ............................0 .......................0 .......................0 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......................0 .......................0 .....XXX...... .....XXX......4899999. Total - Hybrid Securities.............................................................................................................................. ............11,153,040 ....XXX........ ............28,579,234 ............28,169,000 ............11,168,260 .......................0 ................5,889 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... ............153,198 .........1,614,933 .....XXX...... .....XXX......4999999. Parent, Subsidiaries & Affiliates - Issuer Obligations.................................................................................... ............................0 ....XXX........ ............................0 ............................0 ............................0 .......................0 .......................0 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......................0 .......................0 .....XXX...... .....XXX......5099999. Parent, Subsidiaries & Affiliates - Residential Mortgage-Backed Securities.................................................. ............................0 ....XXX........ ............................0 ............................0 ............................0 .......................0 .......................0 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......................0 .......................0 .....XXX...... .....XXX......5199999. Parent, Subsidiaries & Affiliates - Commercial Mortgage-Backed Securities................................................ ............................0 ....XXX........ ............................0 ............................0 ............................0 .......................0 .......................0 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......................0 .......................0 .....XXX...... .....XXX......5299999. Parent, Subsidiaries & Affiliates - Other Loan-Backed and Structured Securities......................................... ............................0 ....XXX........ ............................0 ............................0 ............................0 .......................0 .......................0 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......................0 .......................0 .....XXX...... .....XXX......5599999. Total - Parent, Subsidiaries & Affiliates........................................................................................................ ............................0 ....XXX........ ............................0 ............................0 ............................0 .......................0 .......................0 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .......................0 .......................0 .....XXX...... .....XXX......Totals 7799999. Total - Issuer Obligations............................................................................................................................. .....54,834,739,837 ....XXX........ .....55,094,941,024 .....52,064,419,311 .....53,365,462,448 ........(5,579,099) ....(313,894,984) ............6,209,013 ............936,889 ....XXX........ ....XXX...... .XXX... .....665,088,330 ...2,192,590,994 .....XXX...... .....XXX......7899999. Total - Residential Mortgage-Backed Securities........................................................................................... .......2,497,939,044 ....XXX........ .......2,682,075,165 .......2,658,046,953 .......2,486,856,219 ...........(273,675) ......(14,124,976) ............2,367,865 ..................(371) ....XXX........ ....XXX...... .XXX... .........9,791,442 .....108,302,383 .....XXX...... .....XXX......7999999. Total - Commercial Mortgage-Backed Securities......................................................................................... ..........472,447,257 ....XXX........ ..........467,957,479 ..........470,795,635 ..........466,589,768 ........(7,535,107) ............119,315 .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .........1,389,597 .......11,976,599 .....XXX...... .....XXX......8099999. Total - Other Loan-Backed and Structured Securities.................................................................................. ..........217,188,680 ....XXX........ ..........217,727,715 ..........233,198,857 ..........211,548,919 ..............59,256 ...........(142,723) .........................0 .......................0 ....XXX........ ....XXX...... .XXX... .........1,452,498 .........8,267,542 .....XXX...... .....XXX......8399999. Grand Total - Bonds.................................................................................................................................... .....58,022,314,817 ....XXX........ .....58,462,701,382 .....55,426,460,756 .....56,530,457,354 ......(13,328,625) ....(328,043,368) ............8,576,877 ............936,518 ....XXX........ ....XXX...... .XXX... .....677,721,867 ...2,321,137,517 .....XXX...... .....XXX......

Page 93: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

E11

SCHEDULE D - PART 2 - SECTION 1Showing all PREFERRED STOCKS Owned December 31 of Current Year

1 2 Codes 5 6 7 8 Fair Value 11 Dividends Change in Book/Adjusted Carrying Value 20 213 4 9 10 12 13 14 15 16 17 18 19

F Currento Rate Per Year's Totalr Share Other Total Foreigne Par Book/ Used to Amount Nonadmitted Unrealized Current Than Change Exchangei Number Value Rate Adjusted Obtain Declared Received Declared Valuation Year's Temporary in Change NAIC

CUSIP g of Per Per Carrying Fair Fair Actual but During but Increase/ (Amortization)/ Impairment B./A.C.V. in Desig- DateIdentification Description Code n Shares Share Share Value Value Value Cost Unpaid Year Unpaid (Decrease) Accretion Recognized (15+16-17) B./A.C.V. nation Acquired

8499999. Preferred Stocks - Industrial and Miscellaneous (Unaffiliated)..................................................................................................... ........104,326,604 ....XXX...... ........117,677,126 ..........98,263,625 ..............881,164 ...........7,909,678 ......................0 ..............579,979 .........................0 ......3,152,645 ..........(2,572,666) ..................0 ...XXX... .....XXX.......8999999. Total Preferred Stocks................................................................................................................................................................... ........104,326,604 ....XXX...... ........117,677,126 ..........98,263,625 ..............881,164 ...........7,909,678 ......................0 ..............579,979 .........................0 ......3,152,645 ..........(2,572,666) ..................0 ...XXX... .....XXX.......

Page 94: *00070 2013 20100100* COMBINED ANNUAL STATEMENT THE …investor.travelers.com/interactive/lookandfeel/4055530/images/AS13… · St. Paul Fire and Casualty Insurance Company 40967

Combined Statement for the year 2013 of THE TRAVELERS COMPANIES, INC.

E12

SCHEDULE D - PART 2 - SECTION 2Showing all COMMON STOCKS Owned December 31 of Current Year

1 2 Codes 5 6 Fair Value 9 Dividends Change in Book/Adjusted Carrying Value 17 183 4 7 8 10 11 12 13 14 15 16

Fo Rate Per Current Totalr Share Year's Total Foreigne Book/ Used to Amount Nonadmitted Unrealized Other Than Change Exchange NAICi Number Adjusted Obtain Declared Received Declared Valuation Temporary in Change Market

CUSIP g of Carrying Fair Fair Actual but During but Increase/ Impairment B./A.C.V. in Indicator DateIdentification Description Code n Shares Value Value Value Cost Unpaid Year Unpaid (Decrease) Recognized (13-14) B./A.C.V. (a) Acquired

9099999. Common Stocks - Industrial and Miscellaneous (Unaffiliated).............................................................................. ............426,904,247 .............XXX.......... ............426,904,247 ............251,029,091 ................376,188 ...........17,367,149 ...........................0 ...........60,002,271 .............3,624,877 ...........56,377,394 ...............1,038 ..XXX... ....XXX........9199999. Common Stocks - Parent, Subsidiaries and Affiliates............................................................................................ .........1,010,243,874 .............XXX.......... .........1,010,243,875 .........2,041,271,122 ................150,410 .............5,094,296 ...........................0 ........(527,466,600) ...........................0 ........(527,466,600) ......................0 ..XXX... ....XXX........9799999. Total Common Stock.............................................................................................................................................. .........1,437,148,121 .............XXX.......... .........1,437,148,122 .........2,292,300,213 ................526,598 ...........22,461,445 ...........................0 ........(467,464,329) .............3,624,877 ........(471,089,207) ...............1,038 ..XXX... ....XXX........9899999. Total Preferred and Common Stock....................................................................................................................... .........1,541,474,726 .............XXX.......... .........1,554,825,248 .........2,390,563,838 .............1,407,762 ...........30,371,124 ...........................0 ........(466,884,350) .............6,777,522 ........(473,661,873) ...............1,038 ..XXX... ....XXX........

(a) For all common stocks bearing the NAIC market indicator ''U'' provide: the number of such issues.....45, the total $ value (included in Column 8) of all such issues $.....32,759.