Travelers 2013 Annual Report Download - page 47

OTHER INFORMATION
Customer Concentration
In the opinion of the Company’s management, no material part of the business of the Company
and its subsidiaries is dependent upon a single customer or group of customers, the loss of any one of
which would have a material adverse effect on the Company, and no one customer or group of
affiliated customers accounts for 10% or more of the Company’s consolidated revenues.
Employees
At December 31, 2013, the Company had approximately 30,800 employees. The Company believes
that its employee relations are satisfactory. None of the Company’s employees are subject to collective
bargaining agreements.
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.
Intellectual Property
The Company relies on a combination of contractual rights and copyright, trademark, patent and
trade secret laws to establish and protect its intellectual property. With respect to trademarks
specifically, the Company has registrations in many countries, including the United States, for material
trademarks, including the TRAVELERS name and its iconic umbrella logo. The Company intends to
retain material trademark rights in perpetuity, so long as it satisfies the use and registration
requirements of all applicable countries. The Company regards its trademarks as highly valuable assets
in marketing its products and services and vigorously seek to protect them against infringement. See
‘‘Item 1A—Risk Factors—Intellectual property is important to our business, and we may be unable to
protect and enforce our own intellectual property or we may be subject to claims for infringing on the
intellectual property of others.’’
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, Social Media 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
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