Alan Schnitzer | Chairman, Chief Executive Officer |
Dan Frey | Vice President, Chief Financial Officer |
Greg Toczydlowski | Executive Vice President, President Business Insurance |
Tom Kunkel | Executive Vice President, President Bond and Specialty Insurance |
Michael Klein | Executive Vice President, President Personal Insurance |
Abbe Goldstein | Senior Vice President, Investor Relations |
Mike Zaremski | Credit Suisse |
Ryan Tunis | Autonomous Research |
Brian Meredith | UBS |
Elyse Greenspan | Wells Fargo |
Josh Shanker | Bank of America |
Paul Newsome | Piper Sandler |
David Motemaden | Evercore ISI |
Yaron Kinar | Goldman Sachs |
Jimmy Bhullar | JP Morgan |
Meyer Shields | KBW |
Good morning ladies and gentlemen. Welcome to the third quarter results teleconference for Travelers. We ask that you hold all questions until the completion of formal remarks, at which time you will be given instructions for the question and answer session.
As a reminder, this conference is being recorded on October 20, 2020. At this time, I would like to turn the conference over to Ms Abbe Goldstein, Senior Vice President of Investor Relations.