The Hartford Insurance Group, Inc.
thehartford.comWhat Do They Do?
Provides commercial insurance to businesses, plus personal insurance and employee group benefits to individuals and employers.
10-K for FY2025, filed Feb 20, 2026
How Do They Make Money?
The Hartford earns property and casualty premiums over policy periods. Employers also pay monthly fees for self-funded plan administration and leave services, while Hartford Funds collects monthly investment management, administrative and distribution fees.
10-K for FY2025, filed Feb 20, 2026Property and casualty premiums are earned on a pro rata basis over the policy period and include accruals for policies that have been…View ↗
Employee Benefits earns fee income from employers for the administration of underwriting, implementation and claims processing for employer…View ↗
Hartford Funds provides investment management, administrative and distribution services to mutual funds and exchange-traded funds. The…View ↗
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10-K for FY2025, filed Feb 20, 2026
FY2025 revenue by reportable segment ↗
$28.4B
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10-K for FY2025, filed Feb 20, 2026
$28.4B ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
P&C Business Insurance
Recurring
10-K for FY2025, filed Feb 20, 2026 |
56%
FY2022: 52%
|
P&C Business Insurance, FY2025
$15.8B Sources
|
Recurring |
|
P&C Personal Insurance
Recurring
10-K for FY2025, filed Feb 20, 2026 |
14%
FY2022: 14%
|
P&C Personal Insurance, FY2025
$4.1B Sources
|
Recurring |
|
Property & Casualty Other Operations
|
0.3%
FY2022: 0.2%
|
Property & Casualty Other Operations, FY2025
$73M Sources
|
|
|
Employee Benefits
Recurring
10-K for FY2025, filed Feb 20, 2026 |
25%
FY2022: 29%
|
Employee Benefits, FY2025
$7.1B Sources
|
Recurring |
|
Hartford Funds
Recurring
|
3.9%
FY2022: 4.6%
|
Hartford Funds, FY2025
$1.1B Sources
|
Recurring |
Who Are Their Customers?
Businesses generally buy coverage through retail and wholesale agents and brokers, with some sales directly to consumers. Employers buy group benefits and plan administration; individuals and businesses are also customers for mutual funds and ETFs.
10-K for FY2025, filed Feb 20, 2026The Hartford Insurance Group, Inc. ("HIG") (together with its subsidiaries, “The Hartford”, the “Company”, “we”, or “our”) is a holding…View ↗
Through its three lines of business, small business, middle & large business, and global specialty, Business Insurance offers its products…View ↗
Business Insurance provides insurance products and services through the Company’s regional offices, branches and sales and policyholder…View ↗
Employee Benefits earns fee income from employers for the administration of underwriting, implementation and claims processing for employer…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 14 cents of every revenue dollar as net income in FY2025 and turned 20 cents into free cash flow.
10-K for FY2025, filed Feb 20, 2026
$7.5BView ↗
10-K for FY2025, filed Feb 20, 2026
$3.8BView ↗
10-K for FY2025, filed Feb 20, 2026
$5.8BView ↗
How Are They Changing?
10-Q for Q3 FY2026, filed Oct 26, 2026
Open tableView ↗
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Jun 3, 2026
Wellington agreed to acquire Hartford Funds
The transaction is expected to close in the first quarter of 2027, subject to regulatory and fund approvals.
Sources
8-K, filed Jun 3, 2026
The transaction is expected to close in the first quarter of 2027, subject to customary closing conditions, including regulatory and fund…View ↗
Growing. Revenue grew 27% in 4 years, from $22.4B in FY2021 to $28.4B in FY2025, about 6% a year.
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