Saint Paul Fire and Marine Insurance Co. was founded March 5, 1853, in St. Paul, Minnesota, serving local customers who were having a difficult time getting claim payments in a timely manner from insurance companies on the east coast of the United States. It barely survived the Panic of 1857 by dramatically paring down its operations and later reorganizing itself into a stock company (as opposed to a mutual company). It soon spread its operations across the country. In 1998 it acquired USF&G, known formerly as United States Fidelity and Guaranty Company, an insurance company based in Baltimore, Maryland, for $3.9 billion in stock and assumed debt. By buying USF&G, they went from the 13th to the eighth largest property and casualty insurance company in the United States. Through economies of scale between the two companies, and a difficult business environment, they downsized the company substantially over the coming years by selling certain business units to focus on more profitable business units.
Travelers was founded in 1864 in Hartford. It was founded to provide travel insurance to railroad travelers at a time when travel was far more risky and dangerous than today, hence the name. Along the way it had many industry firsts, including the first automobile policy, the first commercial airline policy, and the first policy for space travel. In 1954 it established the world's first privately owned weather research facility, the Travelers Weather Research Center, the first organization to make weather predictions using probabilities ("20% chance of rain"). By the early 1990s, Travelers was predominantly a general property and casualty insurer that also happened to do some travel insurance on the side, and it quietly exited its original business in 1994. What was left of Travelers' travel insurance business was acquired by three former employees and is now known as Travel Insured International, a Crum and Forster Company.
Of all the islands that make up Italy’s Aeolian archipelago, Salina is arguably the most alluring: it is not yet a celebrity haven like its neighbor Stromboli, where Giorgio Armani, Domenico Dolce, and Stefano Gabbana have homes; and it’s not yet overrun with the luxury yachts of affluent soccer players like nearby Panarea. That the isle has stayed blissfully unspoiled for this long eludes those who know of its imposing natural beauty — steep mountains blanketed in blossoming trees and wildflowers, small villages speckled with olive and lemon groves, fig trees, and miles of terraced Malvasia vineyards. The Relais & Châteaux property Capofaro Malvasia & Resort is one of Salina’s finest places to check in to, thanks to its secluded location, private beach, Tasca d’Almerita wines, and restaurant spotlighting local flavors (think wild fennel, orange, and caper leaves). Once you’ve settled in, skip on over to the town of Lingua to watch the sun set on the Marina Garibaldi, and order the best almond granita of your life at the Da Alfredo waterfront café. —Rocky Casale
Although the former Soviet republic might seem remote, Uzbekistan once sat at the very center of the world. In the first millennium, no traveler could pass from Asia to Europe without stopping in the Silk Road strongholds of Bukhara and Samarkand, and as a result these cities evolved into rich cultural centers. For intrepid travelers, today’s Uzbekistan is a promised land: a Muslim-majority nation that’s both safe and affordable, with few tourists and an abundance of well-preserved mosques and harems. And since the death of authoritarian president Islam Karimov last year, the new regime has taken steps toward reform that have given both Uzbeks and the international community reason for optimism. Improving relations with Iran could soon bring a rail link to the Persian Gulf, and in 2016, the Afrosiyob high-speed-train line began connecting the country’s major cities. Meanwhile, Uzbekistan should benefit from the so-called Iron Silk Road, or Trans-Asian Railway — a Chinese-funded network of routes knitting together Beijing and Europe — once a segment connecting the country through Kyrgyzstan is completed. Book a customized journey with Exeter International, which specializes in the region. —Heidi Mitchell
From the Northwest Florida’s Emerald Coast to the coral-reefed Keys, the state is filled with an array of activities for all ages and tastes. On a Florida vacation, families can plan several days of theme park fun in the Orlando area, or they can ride horses at a secluded ranch in central Florida, ride bikes along nature trails in north Florida, learn about astronauts and rocket science at the Space Coast or take one of the garden tours in Miami and Fort Lauderdale.
A third type of volcanic oceanic island is formed over volcanic hotspots. A hotspot is more or less stationary relative to the moving tectonic plate above it, so a chain of islands results as the plate drifts. Over long periods of time, this type of island is eventually "drowned" by isostatic adjustment and eroded, becoming a seamount. Plate movement across a hot-spot produces a line of islands oriented in the direction of the plate movement. An example is the Hawaiian Islands, from Hawaii to Kure, which continue beneath the sea surface in a more northerly direction as the Emperor Seamounts. Another chain with similar orientation is the Tuamotu Archipelago; its older, northerly trend is the Line Islands. The southernmost chain is the Austral Islands, with its northerly trending part the atolls in the nation of Tuvalu. Tristan da Cunha is an example of a hotspot volcano in the Atlantic Ocean. Another hotspot in the Atlantic is the island of Surtsey, which was formed in 1963.
In March 2017, Travelers agreed to acquire UK-based Simply Business from Aquiline Capital Partners for approximately $490 million. Simply Business is a leading U.K. distributor of small business insurance policies, offering products online on behalf of a broad panel of carriers. It has more than 425,000 microbusiness customers covering more than 1,000 classes of business, and was named “Best Company to Work For” by The Sunday Times in 2015 and 2016. The transaction adds to Travelers' digital capabilities.
Until now, Zambia has had little recognition as one of Africa’s great safari destinations. Yet experts know it as the birthplace of the walking safari — as well as the home of some of the most highly trained guides on the continent. In South Luangwa National Park, visitors can expect to see more animals than baobab trees, while Liuwa Plain National Park is the setting for the world’s second-largest wildebeest migration, when tens of thousands of the creatures head across the plain from neighboring Angola. Last year saw the arrival of Liuwa’s first permanent camp: King Lewanika Lodge, a six-villa safari lodge overlooking a watering hole where hyenas and antelope gather. —Mary Holland
With its recent 150th anniversary celebration, pop-culture cred (Drake, Ryan Gosling, and Justin Bieber have Canadian roots), and charismatic prime minister, the Great White North has finally begun to receive the international recognition it deserves — and Toronto has been preening itself for this lead role. Luxe properties and forward-thinking restaurants have been popping up across the city: there’s Queen Street’s historic Broadview Hotel, which reopened in the burgeoning East End with guest-room details like vinyl turntables and burgundy velvet drapes, and the stylish Bisha Hotel downtown, where the likes of Lenny Kravitz and celebrity chef Akira Back have lent their design and culinary expertise. In stereotypically modest Canadian fashion, Brothers Food + Wine — one of the city’s most exciting new openings — is housed inside a tiny, nondescript space just above the Bay Street subway station, but dazzles with seasonal dishes like crispy steelhead trout with braised gem lettuce and yogurt-and-caper sauce. Next up: in Spring 2018, the Museum of Contemporary Art will move into a century-old former factory in the Junction Triangle. —Jennifer Salerno
As Canada's token middle child, Edmonton has long gotten short shrift amid its glitzier sisters (we're looking at you, Toronto and Vancouver). But no longer — food and museum news is casting a spotlight on Alberta’s capital city. After stints at Noma in Copenhagen and Manhattan's Daniel, chef Scott Downey returned to his hometown to open the Butternut Tree in September, with a focus on indigenous foods — grilled bannock with wild mushrooms and winged kelp; bison served with Saskatoon berry jus; maple-butter cake with black-currant jam. We're waiting to make our dinner reservations until the new Royal Alberta Museum opens its doors. Designed by Dialog architects on the site of a former Canada Post distribution center, the 419,000-square-foot space will include Ice Age horse fossils and a dig pit for children. To experience Edmonton’s indie side, stay at Crash Hotel, an homage to the Ace, which opened last winter. Its themed Hi-Fi room walls are lined with vintage speakers, and hangover pills are at the ready in the mini-bar. —Kathryn O’Shea-Evans
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The team is given a mission to collect and safeguard the original power source of the Director, as it will likely be the remaining Faction members' next target. The mission is going smoothly, but the team is ambushed and killed by the Faction. With its very existence in danger, the Director initiates Protocol Alpha – and sends back a Traveler to save the team before they are killed, but the remote location, small time window, and only two host candidates within geographic range makes the probability of success low.
Mac investigates a mass arrival of Travelers, while also trying to repair his marriage with Kat. Philip is given assistance with his addiction from fellow Traveler 4514, Jenny. Marcy treats David for PTSD, but is dealing with feelings of detachment and disassociation herself. Carly and Jeff try and clean up their act for Child Protective Services and regain custody of their son. Trevor and Grace bond in the hospital while recovering from their injuries.
For proof of Abu Dhabi’s burgeoning status as the cultural capital of the Middle East, look no further than Saadiyat Cultural District, which is quickly becoming a treasure trove of world-class art and groundbreaking architecture. The multibillion-dollar initiative has already resulted in one major project, the Jean Nouvel-designed Louvre Abu Dhabi, which opened in November. Though its construction was controversial, the museum has quickly become the premier creative beacon in the Emirates. Work is under way nearby on the Zayed National Museum, by Norman Foster; the Abu Dhabi Performing Arts Centre, by Zaha Hadid Architects; and the Frank Gehry-designed Guggenheim Abu Dhabi, which when completed will be the largest Guggenheim museum in the world. The city’s hotel-building campaign is also in full swing: this year Marriott debuted a 400-room hotel in the Al Forsan sports center, and next year will see the opening of the Abu Dhabi Edition and Saadiyat Rotana Resort & Villas. —Dylan Essertier
Philip is ordered by the Director to attend an "update" with various other Historians, which is where the altered timeline's history is imprinted onto their minds, but it comes with physical and emotional consequences. Trevor tries to help a former football teammate with past trauma. Hall returns from prison and has a new mission assigned to him from the Director. Kat has complications with the pregnancy.
With more than 300 days of sunshine each year, the southeastern corner of Washington state is home to three flourishing viticultural regions: the Columbia, Walla Walla, and Yakima Valleys. But in recent years Walla Walla has come into its own as the next must-visit destination for oenophiles, golfers, and cyclists. With more than 140 wineries producing European-style Syrahs, Cabernets, and Merlots, there’s no shortage of tasting rooms in the valley, which hosts four weekend-long wine events each year. The region gets its first high-end resort in February, when Va Piano winemaker Justin Wylie and James Beard Award–winning chef Jason Wilson open the 10-suite Eritage on a 300-acre plot north of the city of Walla Walla.