X0304 4 2012-01-03 0000086312 TRAVELERS COMPANIES, INC. TRV 0001198913 CLIFFORD JOHN P JR 385 WASHINGTON STREET ST PAUL MN 55102 1 EVP, Human Resources Common Stock 2012-01-03 4 S 0 2000 60.15 D 23494.52 D The sale transaction reported on this Form 4 was made pursuant to a trading plan entered into in accordance with Rule 10b5-1 under the Securities Exchange Act of 1934. In its Form 10-Q filed on October 19, 2011, the Issuer previously disclosed the potential for executive sales of common stock, including through Rule 10b5-1 trading plans. /s/Wendy C. Skjerven, by power of attorney 2012-01-05