The Travelers Companies Inc http://www.alacrastore.com/company-snapshot/The_Travelers_Companies_Inc-272060 Friday, July 25, 2008 6:34:38 PM 272060 The Travelers Companies Inc en AlacraStore RSS Builder 1.0 30 http://www.alacrastore.com/storecontent/newstex/MCOM-0004-26898971newstex/MCOM-0004-26898971xml Jul. ##, #### (M# Communications Ltd. delivered by Newstex) -- The Travelers Companies Inc (NYSE: TRV), which provides a range of commercial and personal property, casualty insurance products and services, announced on ## July its financial...040000000401600004016018040160030401604804006000040060067/24/2008 11:22:55 AM180000001800400018008000M2 EquityBitesMCOM-0004-26898971THE TRAVELERS COMPANIES INC.TRVNewsNewstexhttp://www.alacrastore.com/storecontent/moodys/PBC_109877moodys/PBC_109877pdf...The Travelers Companies, Inc. (Travelers , NYSE:TRV) is one of the five largest property & casualty insurers in the US based on #### direct premiums written. Travelers is engaged, through its subsidiaries, in underwriting commercial and personal lines property and casualty in surance, primarily through independent agents and brokers. The company was created through the merger of The St. Paul Companies, Inc. and Travelers Property & Ca sualty Corporation in ####, both of which had separately grown through acquisitions in prior years. Today, Travelers is the largest property & casualty insu rer distributing its products countrywide through independent agents. For ####, Travelers reported total revenues of $##.# billion and net income of $#.# billion. During the first three months of ####, Travelers reported total revenues of $#.# billion and net income of $### million. As of March ##, ####, shareholders equity was $##.# billion. Travelers conducts its operations thro... 7/15/2008 4:17:35 PMpdfTravelers Companies, Inc. (The)Travelers Companies, Inc. (The)654550550.0000SpecialReportCompany ProfilePBC_109877Credit & Investment ResearchMoody's Global Credit Researchhttp://www.alacrastore.com/storecontent/newstex/BW-0001-26022158newstex/BW-0001-26022158xml Jun. ##, #### (Business Wire) -- The Travelers Companies, Inc. (NYSE: TRV) will review its second quarter #### results via Webcast at # a.m. EDT on Wednesday, July ##, following the release of earnings earlier that morning. A slide...0400000004016000040160180401604804006000040060066/16/2008 6:17:18 PM180000001800400018008000Business WireBW-0001-26022158THE TRAVELERS COMPANIES INC.TRVNewsNewstexhttp://www.alacrastore.com/storecontent/cs/70042cs/70042norm Travelers #Q## Tearsheet We view appropriately rated as a low-A credit. The company has made tangible progress towards improving its financial flexibility and strengthening its capital position over the past few quarters.Our ratings...70042511YesC21Tearsheet743tearsheets/premium326/9/2008 12:05:14 PM15070042Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/storecontent/moodys/PR_156941_808987513moodys/PR_156941_808987513htmlGlobal Credit Research Rating Action # JUN #### Rating Action: Travelers Capital V Moody's upgrades Travelers; outlook is stable Approximately $#.# billion of rated debt affected. New York, June ##, #### -- Moody's Investors Service...6/7/2008 12:44:05 AMhtmlTravelers Capital VTravelers Capital IVTravelers Capital IIITravelers Capital IIUSF&G CorporationUnited States Fidelity & Guaranty CompanyAutomobile Insurance Company of HartfordTravelers Indemnity CompanyStandard Fire Insurance Co.Travelers Companies, Inc. (The)Travelers Property Casualty Corp.Travelers Casualty & Surety Co of Europe, LtdSelect Insurance CompanyAtlantic Insurance CompanyGulf Underwriters Insurance CompanyUSF&G Capital IIISt. Paul Reinsurance Company LimitedMMI Capital Trust ITravelers Insurance Group Holdings, Inc.USF&G Capital IMMI Companies, Inc.Travelers Property Casualty Ins Co of ILLTravelers Casualty and Surety of AmericaTravelers Personal Security Ins CoTravelers Property Casualty Insurance CompanyTravelers Casualty Company CTTravelers Commercial Insurance CompanyTravelers Indemnity Company of AmericaTravelers Indemnity Company of IllinoisTravelers Indemnity Company of ConnecticutPhoenix Insurance Co.Charter Oak Fire Insurance Co.Farmington Casualty CompanySt. Paul Medical Liability Insurance CompanyAthena Assurance CompanySt. Paul Surplus Lines Insurance CompanySt. Paul Fire and Marine Insurance CompanyTravelers Casualty and Surety Co of IllinoisTravelers Casualty and Surety CompanyAthena Assurance Company; Atlantic Insurance Company; ...808987513808987462808987407808987382798200788500762957621257144606545506000640776000618906000618896000618886000618876000510656000451876000398216000190926000184526000170066000092216000092206000092196000092186000092176000092163206003204003203002776002774002764952749002748002747002746001104011000150.0000NewsRating ActionPR_156941_808987513Credit & Investment ResearchMoody's Global Credit Researchhttp://www.alacrastore.com/storecontent/cs/55459cs/55459norm Insurance Investor #### Hurricane Season Preview The Atlantic hurricane season officially begins today and lasts until November ##, ####, with the peak of the season typically between August # and late October Thus far the generally...554591550YesD0Article1917808134420537431297114639639511201427490456999corp3221Sector Outlooks5/14/2008 11:06:25 AM150Although we believe it is unlikely that we will see a repeat of the magnitude of losses seen in 2004 and 2005 ($80 billion), we do not think investors can ignore the possibility of a mega CAT hitting South Florida or the NYC Metro area.55459Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/storecontent/cs/69182cs/69182norm P&C Sector - Risk/Reward Mismatch In our opinion, the sector is increasingly exhibiting the cyclical decline that we have been warning of for the past year Going forward, we expect to see increasing pricing pressure and lower investment...691822412YesD0Article19178081190205374312971146134439639511201427490456999corp325/13/2008 2:04:55 AM150Going forward, we expect to see increasing pricing pressure and lower investment income growth caused by credit losses and declining operating cash flows.69182Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/storecontent/moodys/PR_154990_654550moodys/PR_154990_654550htmlGlobal Credit Research Rating Action # MAY #### Rating Action: Travelers Companies, Inc. (The) Moody's rates Travelers' notes A#; reviews for possible upgrade Approximately $### million of senior notes to be issued, due ####. New York,...5/9/2008 12:57:29 AMhtmlTravelers Companies, Inc. (The)Travelers Companies, Inc. (The)654550150.0000NewsRating ActionPR_154990_654550Credit & Investment ResearchMoody's Global Credit Researchhttp://www.alacrastore.com/storecontent/spcred/647212spcred/647212normThe latest News from S&Pglobalstructuredpubfin5/8/2008 3:25:51 PM100News647212United StatesProperty & Casualty InsuranceEmerging MarketsLatin AmericaUnited StatesGlobal IssuersStructured FinancePublic FinanceInsuranceCollateralized Debt ObligationsNewsNEW YORK (Standard&Poor's) May 8, 2008--Standard&Poor's Ratings Services said today it has assigned it's 'A-' rating to Travelers Cos. Inc.'s (NYSE:TRV; A-/Stable/A-2; Travelers) $500 million senior notes maturing in 2018. The company intends to use the proceeds for general corporate purposes. "The counterparty credit rating on Travelers is based on the group's very strong market position, strong operating performance, very strong operating company capitalization, and conservative financial leverage and coverage ratios," said Standard&Poor's credit analyst John Iten. "Partially offsetting these strengths are the possibility of some further adverse development of reserves associated with the premerger liabilities of the St. Paul Fire&Marine Group and the company's large exposure to asbestos claims." Leverage andUSA89417E40301040 403010 4030 40Travelers Companies Inc. (The)102058EMERGINGLATAMERICAUSATRVNEWSGLOBISSSTRUCPUBFININSCDOCredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/spcred/647213spcred/647213normThe latest Research Update from S&Pglobalstructuredpubfin5/8/2008 3:25:51 PM175Research Update647213United StatesProperty & Casualty InsuranceEmerging MarketsLatin AmericaUnited StatesGlobal IssuersStructured FinancePublic FinanceInsuranceCollateralized Debt ObligationsResearch UpdateOn May 8, 2008, Standard&Poor's Ratings Services assigned it's 'A-' rating to Travelers Cos. Inc.'s (NYSE:TRV; A-/Stable/A-2) $500 million senior notes maturing in 2018. The company intends to use the proceeds for general corporate purposes. Leverage and coverage ratios remain strong for the rating level. The company's adjusted debt leverage as of March 31, 2008, was 15.8%. Pro forma for these actions, leverage rises to 17.2% versus 16.9% at year-end 2007 and is comfortably within our double leverage criteria. Financial leverage was 20.5% as of March 31, 2008, and 21.9% pro forma for this issue. Interest coverage and fixed-charge coverage were very strong at 15.2x and 15.0x, respectively, in 2007. These leverage and coverage measures are not expectedUSA89417E40301040 403010 4030 40Travelers Companies Inc. (The)102058EMERGINGLATAMERICAUSATRVRESUPDGLOBISSSTRUCPUBFININSCDOCredit & Investment ResearchS&P Credit Researchhttp://www.alacrastore.com/storecontent/fitch/419819_pr_framefitch/419819_pr_framehtmlFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.The Travelers Companies Inc800908805/8/2008 2:17:00 PM010103000101030885Press ReleaseTRV419819_pr_frameCredit & Investment ResearchFitchResearchhttp://www.alacrastore.com/storecontent/ccbn/B1822446ccbn/B1822446norm...SPC reported #Q## gross profit of $###.#m and adjusted diluted loss per share before restructuring and related charges and other items of $#.##. ... 5/6/2008 2:06:00 PMSpectrum Brands54.0000EditedQ2 2008 Spectrum Brands Earnings Conference Call SummarySPC8:30am ETBriefB1822446Credit & Investment ResearchThomson Street Eventshttp://www.alacrastore.com/storecontent/ccbn/T1822446ccbn/T1822446norm...Good morning my name is Justin. I will be your conference operator today. At this time, I would like to welcome everyone to the Spectrum Brands second quarter, fiscal #### earnings conference call. (OPERATOR INSTRUCTIONS) As a reminder ladies and gentlemen this conference is being recorded. I would now like to introduce Miss [Kerry Skinner] DVP of Investor Relations. Miss Skinner, begin your conference. ... 5/6/2008 10:06:00 AMSpectrum Brands54.0000FinalQ2 2008 Spectrum Brands Earnings Conference Call TranscriptSPC8:30am ETTranscriptT1822446Credit & Investment ResearchThomson Street Eventshttp://www.alacrastore.com/storecontent/newstex/BW-0001-24746443newstex/BW-0001-24746443xml SAINT PAUL, Minn., Apr. ##, #### (Business Wire) -- The Travelers Companies, Inc. ("Travelers,")(NYSE:TRV) today reported net income of $### million, or $#.## per basic share and $#.## per diluted share, for the quarter ended March...14000000140080000900000009015000040000000400600004006006040160000401604804016001040160180401600904016047040040000400400309011000090110014/24/2008 7:15:11 AM1800000018008000180040001802300018011000Business WireBW-0001-24746443THE TRAVELERS COMPANIES INC.JAY S FISHMANTRVNewsNewstexhttp://www.alacrastore.com/storecontent/cs/67427cs/67427norm Travelers #Q## Tearsheet We view Travelers appropriately rated as a low-A credit. In June ####, S&P raised TRV's credit rating to A- from BBB+.While we remain wary of TRV's asbestos exposure, the company has made tangible progress towards...67427553YesC21Tearsheet743tearsheets/premium324/7/2008 2:43:34 PM15067427Credit & Investment ResearchCreditSightshttp://www.alacrastore.com/storecontent/moodys/PBC_106087moodys/PBC_106087pdf...The Travelers Companies, Inc. (Travelers , NYSE:TRV) is one of the five largest property & casualty insurers in the US. Travelers is engaged, through its subsidiaries, in underwriting commercial and personal lines property and casualty insurance, primarily through independent agents and brokers. The company was created through the merger of The St. Paul Companies, Inc. and Travelers Property & Casualty Corporation in ## ##, both of which had separately grown through acquisitions in prior years. T oday, Travelers is the largest property & casualty insurer distributing its products countrywide through independent agents. For ####, Travelers reported total revenues of $##.# billion and net income of $#.# billion. During the first nine months of ####, Travelers reported total revenues of $##.# billion and net income of $#.# b illion. As of September ##, ####, shareholders equity was $##.# billion. Travelers conducts its operations thro ugh three principal segments: Business... Company Profile3/30/2008 8:45:32 PMTravelers Companies, Inc. (The)654550550.0000SpecialReportpdfTravelers Companies, Inc. (The)PBC_106087Credit & Investment ResearchMoody's Global Credit Researchhttp://www.alacrastore.com/storecontent/fitch/379722_report_framefitch/379722_report_framepdfFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.Phoenix Insurance CompanySt. Paul Fire & Marine Insurance Co.Standard Fire Insurance CompanyThe Travelers Companies IncThe Travelers Indemnity CompanyTravelers Casualty And Surety CompanyTravelers Casualty And Surety Company Of AmericaUnited States Fidelity & Guaranty Company80090880800909848009098780090988800911728009117680361483812331253/25/2008 6:29:00 PM01000000010100000101030001010308425Full Rating ReportTRV379722_report_frameCredit & Investment ResearchFitchResearchhttp://www.alacrastore.com/storecontent/fitch/412573_pr_framefitch/412573_pr_framehtmlFitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.American Equity Specialty Insurance CompanyAthena Assurance CompanyAtlantic Insurance CompanyDiscover Property & Casualty Insurance CompanyDiscover Specialty Insurance CompanyFarmington Casualty CompanyFidelity & Guaranty Insurance CompanyFidelity & Guaranty Insurance Underwriters IncFirst Floridian Auto & Home Insurance CompanyFirst Trenton Indemnity CompanyGulf Underwriters Insurance CompanyMMI Capital Trust INorthfield Insurance CompanyNorthland Casualty CoNorthland Insurance CompanyPhoenix Insurance CompanySeaboard Surety CompanySelect Insurance CompanySt Paul Protective Insurance CompanySt. Paul Fire & Casualty Insurance CompanySt. Paul Fire & Marine Insurance Co.St. Paul Guardian Insurance CompanySt. Paul Medical Liability Insurance CompanySt. Paul Mercury Insurance CompanySt. Paul Surplus Lines Insurance CompanyStandard Fire Insurance CompanyThe Automobile Insurance Company Of Hartford ConnecticutThe Charter Oak Fire Insurance CompanyThe TravCo Insurance CompanyThe Travelers Companies IncThe Travelers Home & Marine Insurance CompanyThe Travelers Indemnity CompanyThe Travelers Indemnity Company of MissouriTravelers Auto Insurance Company of New JerseyTravelers Casualty and Surety Co of IllinoisTravelers Casualty And Surety CompanyTravelers Casualty And Surety Company Of AmericaTravelers Casualty and Surety Company of CanadaTravelers Casualty Company of ConnecticutTravelers Commercial Casualty CompanyTravelers Commerical Insurance CompanyTravelers Excess & Surplus Lines Insurance CompanyTravelers Indemnity Company of AmericaTravelers Indemnity Company of ConnecticutTravelers Indemnity Company of IllinoisTravelers Insurance Group Holdings, Inc.Travelers Lloyds Insurance CompanyTravelers Lloyds of Texas Insurance CompanyTravelers Personal Insurance CompanyTravelers Personal Security Insurance CompanyTravelers Property Casualty Company of AmericaTravelers Property Casualty CorporationTravelers Property Casualty Insurance CompanyUnited States Fidelity & Guaranty CompanyUSF&G Capital IUSF&G Capital IIUSF&G Capital IIIUSF&G Corporation80089298800908808009088280090883800908848009088580090954800909848009098580090986800909878009098880090989800909908009099180090992800909938009117080091171800911728009117380091175800911768009117780091178800912948009141980091420800914218009142280091423800915638036138080361482803614838036169381233102812331078123311381233116812331228123312581233128812331318123313581233145812331488166586581665868823408538234085682340859854922738549227686752339867523468675235386752360867545283/17/2008 6:27:00 PM0100000001010000010103000101030885Press ReleaseTRV412573_pr_frameCredit & Investment ResearchFitchResearchhttp://www.alacrastore.com/storecontent/bir/1244536bir/1244536normTravelers Companies Inc.St. Paul Fire and Marine Insurance Co.Gulf Insurance Co.Travelers Cos.St. Paul Travelers Companies Inc.St. Paul Companies Inc.Travelers Property Casualty Corp.Travelers Indemnity Company of MissouriTravelers Lloyds Insurance Co.United StatesInsurance: Provides commercial and personal property and liability insurance along with asset management services.64116331621152421052312052412617IMTRV3/1/2008 6:17:00 AM1244536Company Profiles & FinancialsGale Company Profileshttp://www.alacrastore.com/storecontent/ccbn/B1734314ccbn/B1734314normQ# #### Spectrum Brands Earnings Conference Call2/7/2008 1:06:00 PMSpectrum Brands54.0000EditedQ1 2008 Spectrum Brands Earnings Conference Call SummarySPC8:30am ETBriefB1734314Credit & Investment ResearchThomson Street Events