Hartford Insurance Group Inc (NYSE: HIG) is a property and casualty insurance, employee group benefits, and investment management company that underwrites insurance and provides group benefits to individual and business customers. The company makes money primarily through earned premiums on P&C and employee benefits policies, net investment income on its float, and fees from mutual funds and exchange-traded funds. Headquartered in Connecticut, The Hartford operates across five reportable segments: Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits, and Hartford Funds. Total FY2025 revenues were $28.4 billion. Total assets were $86.0 billion and total stockholders' equity was $19.0 billion as of December 31, 2025. The Hartford's oldest subsidiary, Hartford Fire Insurance Company, traces its origins to 1810. The holding company relies on dividends from its insurance subsidiaries as the principal source of cash flow. Geographic operations span the United States, United Kingdom, and other international locations.

Revenue model

Premiums earned from P&C insurance policies (workers' compensation, general liability, commercial property, marine, package business, personal lines) and employee group benefits policies, combined with net investment income on insurance float and fee-based revenue from Hartford Funds mutual funds and ETFs. FY2025 total revenues were $28,368 million across five segments and a Corporate category.

Products and services

Commercial P&C lines including workers' compensation, general liability, commercial property, marine, and package business policies; personal lines P&C insurance; employee group benefits insurance and services; mutual funds and exchange-traded funds (ETFs) distributed under Hartford Funds.

Customers and end markets

Individual policyholders (personal lines) and businesses of varying sizes (commercial lines). End markets include employers seeking workers' compensation and group benefits coverage, businesses requiring general liability and commercial property insurance, and individual and institutional investors in Hartford Funds products.

Value-chain role

Primary insurer and risk underwriter. Distributes through multiple distribution channels including agents and advisory firms. Also acts as an investment manager through Hartford Funds.

Geographic exposure

Primarily United States. Also operates in the United Kingdom and other international locations, per FY2025 10-K.

Source: SEC 10-K, filed 2026-02-20

Industry: Fire, Marine & Casualty Insurance Peers: American International Group Inc Assurant Inc Atlantic American Corp Horace Mann Educators Corp