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					   St. Paul Travelers
  Claim Services


2006 Catastrophe
 Response Plan



                        1
                2005 Hurricane Season
   27 named storms (previous record 21 in 1933
   14 hurricanes (previous record 12)
   Most category 5 storms at 3
   3 of 6 strongest hurricanes
    (1st – Wilma, 4th – Rita, 6th – Katrina)
   Costliest storm – Katrina $65 billion
   Costliest season – $107 billion
    (previous record $45 billion in 2004)
   Deadliest since 1938 – at least 1,200 dead


                                                  2
                                   Total Catastrophe
                                 Claims 1992 to 2005
4,500,000

4,000,000

3,500,000

3,000,000

2,500,000
2,000,000

1,500,000

1,000,000

 500,000

       0
            1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005




                                                                                    3
                                           Total Insured Loss
                                                 1992 to 2005
              $120

              $100

               $80

In Billions    $60

               $40

               $20

                $0
                     1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005




                                                                                             4
              Catastrophe Response
   Dedicated Catastrophe Team
   Initial Response Team
   Corporate Support Team
   Office in a Box
   Mobile Office
   Vendor Alliances
   Claim Card (ATM access card)


                                     5
                          Initial Response Team

   Goal
       24-hour response by key personnel
   Staffing
       120 full time people; 60-70 field staff
         Manager, supervisors, support, claim reps, auto appraisers
   Tasks
       Initial damage survey
       Establish storm office location(s)
       Claims


                                                                      6
                         Corporate Team

   Telecommunications        Engineering

   Systems                   Facilities

   Purchasing                Underwriting

   Media Relations           Claim Reporting

   Travel Services



                                                 7
                     Office in a Box
   CAT-dedicated
   On-site within 24 hours
   Includes:
      Computers
      Phones (cell, land), pagers
      Furniture
      Forms, supplies
      Equipment

                                       8
                            Deployment of
AK




                Mobile Claim Headquarters
                 W
                 A

                                    MT


                      ID                                                 MN                                                                                               ME
                                                             ND


     OR
                                                                                                                                                               VT
                                                                                                                                                                    NH

                                                                                     WI
                                                            SD
                                                                                                               MI
                                         WY
                                                                                                                                                               MA
                                                                                                                                                          NY
          CA                                                                                                                                                             RI
                                                                                                                                                               CT

                                                                          IA
                     NV        UT
                                                        NE                                                                                   PA           NJ
                                                                                           IL                                                                       Hartford
                                                                                                                    OH
                                                                                                         IN


                                                                                                                                    W   MD
                                                  CO
                                                                               MO                                                   V                     DE
                                                                                                                                                   DC
                                                            KS

                                                                                                                    KY

                                                                                                                                                  VA

                          AZ

                                              N
                                                       OK                                                                                              Charlotte
                                                                                                                                   NC
                                              M                                           AR        TN

                                                                                                                              SC

                                                                 TX                                       AL             GA
                                                                                                M
                                                                                                S




           HI                                                                       LA
                                                                      Dallas
                                                                                                                         FL
                                                                                                                                         Orlando




                                                                                                                                                                               9
                                   T R A V E L E R S                                       C L A I M                                     S E R V I C E S

AK
                                                                                                                         Mobile Claim Headquarters
                                                                                                                                      “CAT Tracks”
                    Seattle   WA
                     2/01
                                              MT

                                                                                                                                                                                                                                                                       ME
                                    ID                                                                           MN
                                                                                      ND



     OR
                                                                                                                                                                                                                      Watertown                              NH
                                                                                                                                                                                                                                                  VT
                                                                                                                                                                                                                        1/98
                                                                                                                                         WI

                                                                                 SD
                                                                                                                                                                            MI
                                                                                                                                                                                                            Syracuse
                                                    WY
                                                                                                                                                                                                            9/98, 4/03                      Poughkeepsie
                                                                                                                                                                                                                                                6/00                   MA
CA                                                                                                                                                                                               Buffalo                                                          RI
                                                                                                                                                                                                                           NY                          CT
               NV                                                                                                                                                                                 1/02
                                                                                                                  IA                                                                                                                                               Torrington
                                         UT
                                                                                NE
                                                                                                                                                                                                                      PA                     NJ
                                                                                                                                                                                                                                                                     12/02
                                                                                                                                                IL
                                                                                                    Omaha                                                                                                        Pittsburgh
                                                                                                                                                                                 OH                                                                         WTC - NYC
                                                                                                     5/01                                                         IN                                                 6/98
                                                                                                                                                                                                                                                              9/01
                                                                                                                                                                                                                                      MD
                                                         CO
                                                              Glenwood
                                                                                                                                                   S. Pekin                                                 WV                               DE
                                                               Springs                                                    MO                                                      Cincinnati                                     DC         La Plata
                                                                                                                                                     5/03
                                                                 6/02                KS                                                                                              4/99                                                     4/02
                                                                                                                                                                                                           Winchester
                                                                                                                                    St. Louis                                                                                              Richmond
                                                                                                                                                                                 KY                        4/99 Chantilly
                                                                                                                                      4/01                                                                                                     9/03
                                                                                                                                                                                                                  9/03
                                                                                                                                                                                                                                                Virginia Beach
                                                                                                                                                                                                 VA                                        NC      8/98, 9/03
                                   AZ
                                                                                                                                                                    Nashville               Wilmington
                                                    NM                                                                                              Clarksville       4/98         TN
      San Bernadino                                                         OK                                                                                                               9/99
                                                                                                                                                       1/99                Murfreesboro
          10/03
                                                                                                                                                                              5/03                         Raleigh
                                                                           TX                                                  AR         Memphis
                                                     Los Alamos                                Oklahoma City                                                   Jackson                 Charlotte       9/99, 12/02, 9/03
                                                                                                                                            7/03                                        12/02
                                                        5/00                                     4/99, 5/03                                                      5/03
                                         Show Low                                                                                                                                     GA               SC
                                           7/02                                                                                                                   AL
          San Diego                                                                                                                                MS
                                                                         Lubbock
            10/03
                                                                         6/01, 6/05                                                                                                                                   Charleston
                                                                                                   Ft. Worth                                                                           Atlanta
          HI                                                                                          3/00                                                                              4/98                             8/99
                                                                                                                                LA

                                                                                                                                                    Gulfport      Mobile
                                                                                                        Austin                                       9/98          9/98
                                                                                                         4/05                                                                                                      Ormond Beach
                                                                         San Antonio                                                   Lafayette                                                      FL               7/98
                                                                                                                      Houston                                            Pensacola
                                                                          3/00, 8/02                                                       10/02
                                                                                                                         6/01                                          9/98, 9/04, 7/05                                         Vero Beach
                                                                                               Victoria                                                                           Port Charlotte                                   9/04
                                                                                             8/99, 7/03                                         New Orleans                             8/04                                      Fort Pierce
                                                                                                                                                   9/02                                                                               9/04
                                                                                                                                                                                      Punta Gorda
                                                                                                                                                                                         8/04
                                                                                       Harlingen
                                                                                         8/99                                                                                                                                         Ft. Lauderdale
                                                                                                                                                                                                                                           10/99




                                                                                                                                                                                                                                                                                10
        Features of Mobile Claim HQs

   Custom built               Standard claim office
   Self-contained              supplies
   5-8 full workstations      Cellular, land lines,
   2 generators                satellite
   Photocopy, fax,            On-board
    printers                    policyholder
                                database


                                                        11
Claim ATM Card




                 12
                        Claim ATM Card

   Activated from anywhere
   Safe
   No check cashing hassles
   Accepted wherever MasterCard is accepted
   Reload additional funds



                                               13
     Catastrophe Claim Assignment

   Significant time saving
   Quick assignment = customer service
   Maximize storm personnel productivity
   Automatic agent acknowledgment letter




                                            14
 Catastrophe Claim Assignment
               Severity Level
           1          2         3
       1
       2

Zone   3
       4
       5



                                    16
                2006 Hurricane Forecast
              17 named storms
              9 hurricanes
              5 intense (category 3>)

Landfall Potential
                          2006 Forecast   Last Century
     East coast             64%            31%
     Gulf coast             47%            30%
     Entire U.S. coast      81%            52%



                                                         19

				
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