HIG The Hartford Financial Services Group, Inc.

Margins & Returns

The Hartford Financial Services Group, Inc., founded in 1810 and headquartered in Hartford, Connecticut, operates globally, providing a comprehensive array of insurance and financial services to individual and business clients in the United States, United Kingdom, and other international markets. Its Commercial Lines division delivers a full suite of property, casualty, and specialty insurance offerings, including workers' compensation, automobile, general liability, umbrella, various bond types, marine, livestock, and reinsurance. This segment also provides tailored risk management and insurance solutions like professional liability and surety, distributed through a wide network including regional offices, branches, sales and service centers, independent agents, brokers, wholesale channels, and reinsurance brokers. The Personal Lines segment caters to individuals with automobile, homeowners, and personal umbrella coverages, made available directly to consumers and through independent agents. Separately, Property & Casualty Other Operations addresses specific liabilities such as asbestos and environmental exposures. The Group Benefits segment supplies group life, disability, and other collective insurance products to employer groups, associations, and affinity organizations, either directly or by reinsuring other carriers. These offerings include both employer-paid and voluntary options, as well as disability underwriting, administration, and claims processing for self-funded plans and integrated leave management solutions. Distribution for this segment occurs through brokers, consultants, third-party administrators, trade associations, and private exchanges. Finally, Hartford Funds offers investment products designed for retail and retirement accounts, including exchange-traded products, distributed via broker-dealers, independent financial advisors, defined contribution platforms, financial consultants, bank trust departments, and registered investment advisors. This segment also provides essential investment management and administrative services, from product design to oversight.