Content Index - Travelers

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Content IndexThe Travelers Companies, Inc. (together with its consolidated subsidiaries, Travelers or the Company) providesthis Content Index to accompany the sustainability disclosures on its integrated website. This index assistsreaders in locating Travelers disclosures relevant to the GRI framework. In addition, this index incorporatesprinciples and content elements of the International Integrated Reporting Council (IIRC) IR Framework,as well as SASB disclosures associated with the topics covered in this index.1GRISTANDARDDISCLOSURENUMBERGENERAL DESCRIPTIONLOCATION OR RELEVANTINFORMATIONGeneral DisclosuresGRI 102: GeneralDisclosures 2016Organizational Profile (IIRC 4A – Organizational overview and external environment)102-1Name of the organizationThe Travelers Companies, Inc.102-2Activities, brands, products, and servicesCompany; Travelers at a glance; 2018 Annual Report onForm 10-K, pgs. 3–27102-3Location of headquartersNew York, NY102-4Location of operationsCompany; Travelers at a glance102-5Ownership and legal formPublicly traded company102-6Markets servedCompany; Travelers at a glance; 2018 Annual Report onForm 10-K, pg. 4102-7Scale of the organizationCompany; Travelers at a glance; 2018 Annual Report onForm 10-K, pg. 57102-8Information on employees and otherworkersCompany; Travelers at a glance; Analyst Data; 2018Annual Report on Form 10-K, pg. 27; Diversity &Inclusion102-9Supply chainDisaster Preparedness & Response; Diversity & Inclusion Supplier Diversity102-10Significant changes to the organization andits supply chainThis is the first year the Company is providingcomprehensive sustainability reporting; accordingly, theorganizational profile represents the Company’s currentsize, structure, ownership and supply chain.102-11Precautionary Principle or approachFor a discussion of the Company’s approach to riskmanagement, see the Company’s 2018 Annual Report onForm 10-K, pg. 26; Capital & Risk Management RiskLeadership & Methods102-12External initiativesAbout Our Sustainability Reporting Frameworks,Standards & Surveys102-13Membership of associationsCommitment to Participation in the Political Process;Policy for the Commitment to Participation in the PoliticalProcess; Apply for SponsorshipStatement from senior decision-makerCEO MessageStrategy102-141The inclusion of information contained in this index should not be construed as a characterization regarding the materiality of that information.For a discussion of information that is material to Travelers, please see our Annual Report on Form 10-K.Travelers Content Index 20181

GRISTANDARDDISCLOSURENUMBERGENERAL DESCRIPTIONLOCATION OR RELEVANTINFORMATION102-15IIRC 4DKey impacts, risks and opportunitiesAbout Our Sustainability Reporting; Business Strategy &Competitive Advantages; Capital & Risk Management Risk Management Leadership & Methods; TCFD Report;2018 Annual Report on Form 10-K, pgs. 37–56IIRC 3AStrategic focus and future orientationBusiness Strategy & Competitive Advantages; InnovationIIRC 4CBusiness modelBusiness Strategy & Competitive AdvantagesIIRC 4EStrategy and resource allocationBusiness Strategy & Competitive Advantages; Capital &Risk Management; InnovationIIRC 4GOutlookInnovation Forces of Change; TCFD Report102-16Values, principles, standards, and normsof behaviorEthics & Values102-17Mechanisms for advice and concernsabout ethicsEthics & ValuesEthics and IntegrityGovernance (IIRC 4B – Governance)102-18Governance structureGovernance; Proxy Statement for 2019 Annual Meetingof Shareholders, pgs. 4–13102-20Executive-level responsibility for economic,environmental, and social topicsGovernance102-22Composition of the highest governancebody and its committeesGovernance; Proxy Statement for 2019 Annual Meetingof Shareholders, pgs. 4–13102-23Chair of the highest governance bodyAlan Schnitzer, Chairman and Chief Executive Officer;John H. Dasburg, Lead Independent Director102-24Nominating and selecting the highestgovernance bodyGovernance Board Independence & Diversity; ProxyStatement for 2019 Annual Meeting of Shareholders, pgs.14–16102-35Remuneration PoliciesGovernance Board & Executive Compensation; ProxyStatement for 2019 Annual Meeting of Shareholders, pgs.27–65102-36Process for determining remunerationGovernance Board & Executive Compensation; ProxyStatement for 2019 Annual Meeting of Shareholders, pgs.27–65Stakeholder Engagement102-40List of stakeholder groupsAbout Our Sustainability Reporting StakeholderEngagement & Topic Prioritization102-41Collective bargaining agreements2018 Annual Report on Form 10-K, pg. 27102-42Identifying and selecting stakeholdersAbout Our Sustainability Reporting StakeholderEngagement & Topic Prioritization102-43IIRC 3CApproach to stakeholder engagementAbout Our Sustainability Reporting StakeholderEngagement & Topic Prioritization; Proxy Statement for2019 Annual Meeting of Shareholders, pg. 50102-44Key topics and concerns raisedAbout Our Sustainability Reporting StakeholderEngagement & Topic Prioritization; Proxy Statement for2019 Annual Meeting of Shareholders, pg. 50Reporting Practice (IIRC 3B: Connectivity of information; 3G: Consistency and comparability; 4H: Basis ofpreparation & presentation)102-45Entities included in the consolidatedfinancial statements2018 Annual Report on Form 10-K, pgs. 289–292102-46Defining report content and topicboundariesAbout Our Sustainability Reporting StakeholderEngagement & Topic Prioritization102-47IIRC 3DList of relevant topicsAbout Our Sustainability Reporting StakeholderEngagement & Topic PrioritizationTravelers Content Index 20182

GRISTANDARDDISCLOSURENUMBERGENERAL DESCRIPTIONLOCATION OR RELEVANTINFORMATION102-48Restatements of informationNot applicable102-49Changes in reportingThis is the Company’s first year providing comprehensivesustainability reporting.102-50Reporting periodJanuary 1, 2018 through December 31, 2018102-51Date of most recent reportNot applicable102-52Reporting cycleAnnual102-53Contact point for questions regarding thereportYafit Cohn, Associate Group General Counsel(sustainability@travelers.com)102-54Claims of reporting in accordance with theGRI StandardsThis report references the relevant GRI Standards listedin this index.102-55GRI content indexThis document represents the Company’s content index.102-56External assuranceOur GHG emissions data is externally assured.103-1Explanation of the topic and its boundaryCapital & Risk Management; Climate Strategy; FinancialPerformance; SASB Report; Investment Management103-2The management approach and itscomponentsCapital & Risk Management; Climate Strategy; FinancialPerformance; SASB Report; Investment Management103-3Evaluation of the management approachCapital & Risk Management; Climate Strategy; FinancialPerformance; SASB Report; Investment ManagementGRI 201:EconomicPerformance 2016201-1Direct economic value generated anddistributedFinancial Performance201-2Financial implications and other risks andopportunities due to climate changeClimate Strategy; TCFD ReportIIRC IndicatorsIIRC 4FPerformanceFinancial Performance; Analyst Data103-1Explanation of the topic and its boundaryEthics & Values103-2The management approach and itscomponentsEthics & Values103-3Evaluation of the management approachEthics & Values205-2Communication and training about anticorruption policies and proceduresEthics & Values Ethics Training, Compliance,Respectful Workplace & Dispute Resolution103-1Explanation of the topic and its boundaryCapital & Risk Management103-2The management approach and itscomponentsCapital & Risk Management103-3Evaluation of the management approachCapital & Risk ManagementKPIAverage percent increase of annualdividends per shareCapital & Risk Management Balanced Approach toCapital ManagementKPIPercent increase of book value per shareCapital & Risk Management Balanced Approach toCapital Management103-1Explanation of the topic and its boundaryInvestment Management103-2The management approach and itscomponentsInvestment Management103-3Evaluation of the management approachInvestment Management ApproachEconomic TopicsEconomic PerformanceGRI 103:ManagementApproach 2016Anti-CorruptionGRI 103:ManagementApproach 2016GRI 205: AntiCorruption 2016Capital & Risk ManagementGRI 103:ManagementApproach 2016Other IndicatorsInvestment ManagementGRI 103:ManagementApproach 2016Travelers Content Index 20183

GRISTANDARDDISCLOSURENUMBERGENERAL DESCRIPTIONLOCATION OR RELEVANTINFORMATIONSASB IndicatorsFN-IN-410a.1Total invested assets by industry and assetclassSASB Report, pg.7FN-IN-410a.2Description of approach to incorporation ofenvironmental, social and governance(ESG) factors in investment managementprocesses and strategiesInvestment Management ESG Factors in InvestmentDecisions; SASB Report, pg.8103-1Explanation of the topic and its boundaryBusiness Strategy & Competitive Advantages; Innovation103-2The management approach and itscomponentsBusiness Strategy & Competitive Advantages; Innovation103-3Evaluation of the management approachBusiness Strategy & Competitive Advantages; InnovationKPINumber of employee participants inTravelers innovative idea-generating eventInnovation Building an Innovation Ecosystem103-1Explanation of the topic and its boundaryEco-Efficient Operations103-2The management approach and itscomponentsEco-Efficient Operations103-3Evaluation of the management approachEco-Efficient OperationsGRI 302: Energy2016302-4Reduction of energy consumptionEco-Efficient Operations GHG Inventory & Goals; EcoEfficient Operations Office Renovations—BoostEngagement and Save EnergyGRI 305:Emissions 2016305-1Direct (Scope 1) GHG emissionsEco-Efficient Operations GHG Inventory & Goals305-2Energy indirect (Scope 2) GHG emissionsEco-Efficient Operations GHG Inventory & Goals305-3Other indirect (Scope 3) GHG emissionsEco-Efficient Operations GHG Inventory & GoalsKPIPercentage of Electricity from RenewableSourcesEco-Efficient Operations GHG Inventory & GoalsKPIPercentage of Total Energy fromRenewable SourcesEco-Efficient Operations GHG Inventory & Goals103-1Explanation of the topic and its boundaryHuman Capital Management103-2The management approach and itscomponentsHuman Capital Management103-3Evaluation of the management approachHuman Capital Management401-1New employee hires and employeeturnoverHuman Capital Management Engagement & Inclusion401-3Parental LeaveHuman Capital Management Total Rewards103-1Explanation of the topic and its boundarySafety & Health103-2The management approach and itscomponentsSafety & Health103-3Evaluation of the management approachSafety & Health403-2Hazard identification, risk assessment, andincident investigationSafety & Health403-5Worker training on occupational health andsafetySafety & Health Transportation Safety; Safety & Health Fire & Life Safety; Safety & Health Safety Awareness& CultureInnovationGRI 103:ManagementApproach 2016Other IndicatorsEnvironmental TopicsEco-Efficient OperationsGRI 103:ManagementApproach 2016Other IndicatorsSocial TopicsEmploymentGRI 103:ManagementApproach 2016GRI 401:Employment 2016Occupational Health and SafetyGRI 103:ManagementApproach 2016GRI 403:OccupationalHealth and Safety2018Travelers Content Index 20184

GRISTANDARDDISCLOSURENUMBERGENERAL DESCRIPTIONLOCATION OR RELEVANTINFORMATIONSASB IndicatorsFIN-IN-410b.2Discussion of products and/or productfeatures that incentivize health, safety,and/or environmentally responsible actionsand/or behaviorsSASB Report, pg.8; Safety & Health103-1Explanation of the topic and its boundaryHuman Capital Management103-2The management approach and itscomponentsHuman Capital Management103-3Evaluation of the management approachHuman Capital Management404-2Programs for upgrading employee skillsand transition assistance programsHuman Capital Management Learning & Development404-3Percentage of employees receiving regularperformance and career developmentreviewsHuman Capital Management Performance &Succession103-1Explanation of the topic and its boundaryDiversity & Inclusion103-2The management approach and itscomponentsDiversity & Inclusion103-3Evaluation of the management approachDiversity & Inclusion405-1Diversity of governance bodies andemployeesGovernance Board Independence & Diversity; Diversity& Inclusion; Analyst Data103-1Explanation of the topic and its boundaryCommunity103-2The management approach and itscomponentsCommunity103-3Evaluation of the management approachCommunity413-1Operations with local communityengagement, impacts assessments, anddevelopment programsCommunity Our Giving Priorities; SupportingUnderrepresented Students; Our Signature CommunityEvent; Educating Business About Risk; RewardingLeadership in Community Response; Veterans DeployWith Disaster Responders; Building Strong, ResilientCommunities; Creating Neighborhood Playspaces103-1Explanation of the topic and its boundaryPublic Policy103-2The management approach and itscomponentsPublic Policy103-3Evaluation of the management approachPublic Policy415-1Political contributionsPublic Policy Political Process Commitments &Contributions103-1Explanation of the topic and its boundaryCustomer Experience; SASB Report103-2The management approach and itscomponentsCustomer Experience; SASB Report103-3Evaluation of the management approachCustomer Experience; SASB ReportFN-IN-270a.2Complaints-to-claims ratioSASB Report, pg.4FN-IN-270a.3Customer retention rateSASB Report, pg.4Explanation of the topic and its boundaryDisaster Preparedness & ResponseTraining and EducationGRI 103:ManagementApproach 2016GRI 404: Trainingand Education2016Diversity and Equal OpportunityGRI 103:ManagementApproach 2016GRI 405: Diversityand EqualOpportunityLocal CommunitiesGRI 103:ManagementApproach 2016GRI 413: LocalCommunities2016Public PolicyGRI 103:ManagementApproach 2016GRI 415: PublicPolicy 2016Customer ExperienceGRI 103:ManagementApproach 2016SASB IndicatorsDisaster Preparedness & Response103-1Travelers Content Index 20185

GRISTANDARDDISCLOSURENUMBERGENERAL DESCRIPTIONLOCATION OR RELEVANTINFORMATIONGRI 103:ManagementApproach 2016103-2The management approach and itscomponentsDisaster Preparedness & Response; Climate Strategy;TCFD Report103-3Evaluation of the management approachDisaster Preparedness & Response; Climate Strategy;TCFD ReportFN-IN-450a.1Probable Maximum Loss (PML) of insuredproducts from weather-related naturalcatastrophesSASB Report, pg.11FN-IN-450a.2Total amount of monetary lossesattributable to insurance payouts from (1)modeled natural catastrophes and (2) nonmodeled natural catastrophes, by type ofevent and geographic segment (net andgross of reinsurance)SASB Report, pg.13KPIPercent largest CAT claims resolved within30 daysDisaster Preparedness & Response CustomerOutcomesKPIPercent of CAT claims paid within a weekof inspectionDisaster Preparedness & Response CustomerOutcomesKPIPercent of catastrophe (CAT) claims paidthe same day as inspectedDisaster Preparedness & Response CustomerOutcomesSASB IndicatorsOther IndicatorsTravelers Content Index 20186

The Travelers Companies, Inc. (together with its consolidated subsidiaries, Travelers or the Company) provides this Content Index to accompany the sustainability disclosures on its integrated website. This index assists readers in locating Travelers disclosures relevant t

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