Travelers began in 1864 as an insurance company focused on accident coverage and later expanded into property and casualty insurance. The company’s history includes a merger with St. Paul in 2004 and a later name change to The Travelers Companies in 2007. Today, Travelers offers personal, business, and specialty insurance, including protection for auto, home, valuables, and commercial risks. Travelers distributes coverage primarily through independent agents and brokers and maintains operations in the United States and selected international markets.