{"schema_version":"secwatch.filing_event.v1","accession":"0000086312-22-000064","form_type":"8-K","ticker":"TRV","cik":"0000086312","company_name":"TRAVELERS COMPANIES, INC.","filed_at":"2022-10-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.779638+00:00","generated_at":"2026-06-23T02:49:48.032708+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Travelers Q3 net income down 31% to $454M; record premiums up 10% despite Hurricane Ian","bullets":["Q3 net income $454M ($1.89/diluted) vs $662M ($2.62) prior year; core income $526M ($2.20) down 20%.","Combined ratio 98.2% (92.5% underlying); catastrophe losses $512M pre-tax from Hurricane Ian and other storms.","Record net written premiums $9.198B (+10% YoY); Business Insurance +9%, Bond & Specialty +8%, Personal +13%.","Net investment income $593M pre-tax, down 23% due to lower private equity returns.","Book value per share $84.94 (-27% YoY); adjusted book value $111.90 (+7%); $722M returned to shareholders."],"urls":{"canonical":"https://secwatch.observer/filing/0000086312-22-000064","json":"https://secwatch.observer/filing/0000086312-22-000064.json","markdown":"https://secwatch.observer/filing/0000086312-22-000064.md","text":"https://secwatch.observer/filing/0000086312-22-000064.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/86312/000008631222000064/0000086312-22-000064-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/86312/000008631222000064/trv-20221019.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T02:49:48.032708+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}