The Travelers Cos., Inc. is a holding company, which engages in the provision of commercial and personal property and casualty insurance products and services. The company is headquartered in Saint Paul, Minnesota and currently employs 34,000 full-time employees. Its segments include Business Insurance, Bond & Specialty Insurance, and Personal Insurance. Business Insurance offers a range of property and casualty insurance products and services to its customers, primarily in the United States, as well as in Canada, the United Kingdom, the Republic of Ireland and throughout other parts of the world. Bond & Specialty Insurance offers surety, fidelity, management liability, professional liability, and other property and casualty coverage and related risk management services to its customers, primarily in the United States, and certain surety and specialty insurance products in Canada, the United Kingdom and the Republic of Ireland, as well as Brazil through a joint venture. Personal Insurance offers a range of property and casualty insurance products and services covering individuals personal risks in the United States, as well as in Canada.