HARTFORD INSURANCE GROUP, INC. (HIG)

The Hartford Insurance Group, Inc. (HIG), headquartered in Connecticut and tracing its oldest subsidiary, Hartford Fire Insurance Company, back to 1810, is a holding company operating through subsidiaries that provide property and casualty (P&C) insurance, employee group benefits insurance and services, and mutual funds and ETFs to individual and business customers primarily in the United States, with additional operations in the United Kingdom and other international markets. As of December 31, 2025, the company reported total assets of $86.0 billion and total stockholders' equity of $19.0 billion. As a holding company, HIG has no significant operations of its own and depends on dividends from its insurance and other subsidiaries to fund obligations, dividends, and share repurchases.

The Hartford's strategy centers on growth and innovation, underwriting excellence, expanding distribution channels, customer-centric service, operational efficiency, artificial intelligence and data analytics adoption, talent development, and disciplined capital allocation. The company operates through five reportable segments—Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits, and Hartford Funds—plus a Corporate category, generating total 2025 revenues of $28,368 million and earned premiums of $13,883 million. Its Business Insurance segment, organized into small business, middle & large business, and global specialty lines, offers products including workers' compensation, general liability, marine, package, commercial property, professional liability, bond (fidelity and surety), assumed reinsurance, and commercial automobile coverage, distributed through independent retail and wholesale agents, brokers, and reinsurance brokers, direct-to-consumer channels, payroll service provider partnerships, and as sole corporate member of Lloyd's Syndicate 1221.

The company faces significant competition from national and regional carriers, direct writers, alternative risk-sharing groups, and increasingly from technology-enabled and non-traditional entrants, prompting continued investment in digital capabilities, automated underwriting tools like its ICON quoting system, data analytics, and artificial intelligence to maintain market leadership across small business and middle & large business segments amid evolving distribution dynamics and consolidation among agents and brokers.