Travelers 2014 Annual Report Download - page 38

Table of Contents
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 its
material trademarks, including the "Travelers" name and the Company's iconic umbrella logo. The Company has the right to retain its 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 its trademarks 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 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 and/or social media outlets, such as Facebook and Twitter, as distribution channels of
material company information. Financial and other important information regarding the Company is routinely posted on and accessible through the
Company's website at http://investor.travelers.com, its Facebook page at http://www.facebook.com/travelers and its Twitter account (@Travelers)
at http://www.twitter.com/Travelers. In addition, you may automatically receive email alerts and other information about the Company when you
enroll your email address by visiting the "Email Notifications" section at http://investor.travelers.com
.
Glossary of Selected Insurance Terms
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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.