A.M. Best has upgraded the financial strength rating (FSR) to A++ (Superior) from A+ (Superior) and the issuer credit ratings (ICR) to “aa+” from “aa” of the property/casualty subsidiaries of The Travelers Companies, Inc. (TRV) (also known as Travelers Group [Travelers]) (New York, NY)(NYSE:TRV), its affiliate, Travelers Casualty and Surety Company of America (TCSA) (Hartford, CT), and TCSA’s affiliates, Travelers Casualty and Surety Company of Europe Limited (TCSCE) (United Kingdom) and Travelers Insurance Company of Canada (TICC) (Ontario). Concurrently, A.M. Best has upgraded the ICR and senior debt ratings to “a+” from “a” of TRV and its two wholly owned downstream holding companies, Travelers Property Casualty Corp. and Travelers Insurance Group Holdings (both domiciled in Hartford, CT). All outstanding debt securities issued by the two downstream holding companies are guaranteed by TRV. The outlook for the above ratings has been revised to stable from positive. A.M. Best also has affirmed the FSR of A (Excellent) and ICR of “a+” of The Premier Insurance Company of Massachusetts (Premier) (Worcester, MA) and the FSR of A- (Excellent) and ICR of “a-” of First Floridian Auto and Home Insurance Company (First Floridian) (Tampa, FL). The outlook for these ratings is stable. (Please see link below for a detailed listing of the companies and ratings.) The rating actions reflect Travelers’ solid risk-adjusted capitalization, trend of favorable operating and underwriting results, excellent market profile in commercial and personal lines (largely distributed through independent agents) and effective management team. The ratings also acknowledge Travelers’ proactive and comprehensive risk management, underwriting and financial discipline, relatively conservative investment portfolio, geographic and product diversification and enhanced technology and internal information systems, which have improved its underwriting effectiveness and ability to service agents and customers in both commercial and personal lines. In addition, Travelers’ superior product breadth, industry leading data and analytics and leading position within its distribution network have enabled it to report a trend of strong earnings that have outperformed the majority of its peers over time, despite an increase in weather-related losses and the current low interest rate environment.