Travelers 2012 Annual Report Download - page 47

Sources of Liquidity
For a discussion of the Company’s sources of funds and maturities of the long-term debt of the
Company, see ‘‘Item 7—Management’s Discussion and Analysis of Financial Condition and Results of
Operations—Liquidity and Capital Resources,’’ and note 8 of notes to the Company’s consolidated
financial statements.
Taxation
For a discussion of tax matters affecting the Company and its operations, see note 12 of notes to
the Company’s consolidated financial statements.
Financial Information about Reportable Business Segments
For financial information regarding reportable business segments of the Company, see ‘‘Item 7—
Management’s Discussion and Analysis of Financial Condition and Results of Operations,’’ and note 2
of notes to the Company’s consolidated financial statements.
Recent Transactions
For information regarding recent transactions of the Company, see ‘‘Item 7—Management’s
Discussion and Analysis of Financial Condition and Results of Operations.’’
Company Website and Availability of SEC Filings
The Company’s Internet website is www.travelers.com. Information on the Company’s website is not
incorporated by reference herein and is not a part of this Form 10-K. The Company makes available
free of charge on its website or provides a link on its website to the Company’s Annual Report on
Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K, and any amendments
to those reports filed or furnished pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of
1934, as soon as reasonably practicable after those reports are electronically filed with, or furnished to,
the SEC. To access these filings, go to the Company’s website, then click on ‘‘SEC Filings’’ under the
‘‘For Investors’’ heading.
From time to time, the Company may use its website as a channel of distribution of material
company information. Financial and other material information regarding the Company is routinely
posted on and accessible at http://investor.travelers.com. In addition, you may subscribe to receive e-mail
alerts and other information about the Company by providing your e-mail address in the ‘‘E-mail Alert
Service’’ section at http://investor.travelers.com.
Glossary of Selected Insurance Terms
Accident year .............. The annual calendar accounting period in which loss events
occurred, regardless of when the losses are actually reported,
booked or paid.
Adjusted unassigned surplus . . . Unassigned surplus as of the most recent statutory annual report
reduced by twenty-five percent of that year’s unrealized
appreciation in value or revaluation of assets or unrealized profits
on investments, as defined in that report.
Admitted insurer ........... A company licensed to transact insurance business within a state.
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