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Travelers' 4 divisions are expected to make $31.7 billion for full-year 2019
(1) Business Insurance $16 billion (51%),
(2) Personal Insurance $10.5 billion (33%),
(3) Bond & Specialty Insurance $2.6 billion (8%), and
(4) Investment of Insurance Premiums $2.6 billion (8%)
Revenues for Travelers
Travelers' Business Model
What Need Does It Serve?
Travelers provides Personal insurance, Bond & Speciality Insurance and Business Insurance services to its end users.
Its end users includeRetail CustomersSmall, Mid Size BusinessesCorporates
What Are The Alternatives?
Travelers' business model faces stiff challenges and competition from offerings by its global competitors such as:American International Group Inc.Hartford Financial Services Group IncMetlife Inc.Allstate Insurance GroupState Farm GroupBerkshire Hathaway Group
Has 4 Operating Segments-
Bond & Specialty Insurance: It provides coverage for losses to an individual's house and its contents from a variety of perils (except flood). Additionally, the company provides coverage for valuable personal items, special events, and boats and yachts, under this product line.
Personal Insurance: Personal Automobile product line provides coverage for bodily injury and property damage caused by a personal vehicle. It also provides coverage for vehicle damage caused by natural disasters and theft.
Business Insurance: This could be subdivided in 4 segments –Commercial Automobile & Property: It provides coverage to businesses for bodily injury and property damage, from the use of automobiles and trucks in a business operation.Commercial Multi-Peril: This segment offers different types of property and casualty coverage in a single policy. Further, Travelers provides all of its Business Insurance products such as commercial property, commercial automobile, workers’ compensation, and general liability in a multiple peril policy.General Liability & Others: This includes the Commercial Multi-peril line, which offers a combination of property and liability insurance along with other insurance products like fidelity and surety insurance, commercial property insurance and general liability insurance.Workers’ Compensation: It provides coverage for employers, who are mandated by law to pay for workplace-related injuries to employees. The benefits covered under the product's policy include medical, disability, death benefits, and vocational rehabilitation.
Investment of Insurance Premiums: This represents the return on the insurance premiums invested to generate income and capital appreciation.
Although revenues have grown at an average annual rate of 5% -- from $27.6 billion in 2016 to $30.3 billion in 2018, we expect the growth rate to reduce to 4% over 2019-2020
Revenues for Travelers
YOY change in Revenues for Travelers
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This segment has contributed more than 50% of total revenues over the last three years. It has grown 5% over the last 2 years, from $14.5 billion in 2016 to $15.2 billion in 2018. Commercial Automobile & Property revenues were the main driver of segment growth over the last two years. It grew 12% from $3.8 billion in 2016 to $4.2 billion in 2018 and is further expected to cross $4.7 billion by 2020. Although Workers Compensation has reduced 2% over 2016-2018 due to decline in premiums, we expect it to increase 4% from $3.9 billion in 2018 to $4 billion by 2020.Commercial Multi-peril is on a growth trajectory, it grew 6% from $3.1 billion in 2016 to $3.3 billion in 2018 and is expected to cross $3.6 billion by 2020.Notably, growth in premiums is expected to increase General Liability & Other Lines revenues by 11% from $3.8 billion in 2018 to $4.3 billion by 2020.Overall, we expect the segment revenues to grow at an average annual rate of 4% over 2019-2020 -- from $15.2 billion in 2018 to $16.5 billion in 2020.
[C] Bond & Speciality Insurance would grow by 14% from $2.4 billion in 2018 to $2.7 billion by 2020.
Bond & Specialty Insurance
YOY change in Bond & Speciality Insurance
This segment has grown at an average annual rate of 3% over the last 2 years, from $2.3 billion in 2016 to $2.4 billion by 2018. Further, we expect the growth rate to increase to 6% in the near term.This would enable the segment revenues to cross $2.7 billion by 2020.
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