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Hartford Financial
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Latest analysis
Updated Oct 27, 2026
Hartford Q3 2026: 17.9% Core ROE with Workers' Comp Frequency Step-Change and Equitable Benefits Acquisition Closing
Hartford delivered core earnings of $956 million and a trailing-12-month core earnings ROE of 17.9% in Q3 2026, demonstrating durable underwriting discipline across a diversified portfolio. The single most important development is a broad-based step-change in workers' compensation claim frequency — attributed to rising healthcare costs and ACA subsidy expiration — driving approximately one point of underlying combined ratio deterioration in total business insurance this quarter, with management treating this as a 2026 structural shift rather than transient noise. The $500 million Equitable employee benefits acquisition closed in October, expanding the small and mid-sized employer segment with dental and vision products and modern integrated technology, though integration costs and intangible amortization will make the deal modestly dilutive to core earnings in 2027.
Tone: mixedRevenue
$28.4B
HIG 10-K · FY 2025
Employees
19,200
Revenue FY2024
$26.5B
Founded
1810
Profile
HIG 10-K Item 1 · Feb 20, 2026The Hartford Insurance Group, Inc. is a holding company providing property and casualty insurance, employee group benefits insurance and services, and mutual funds and ETFs to individual and business customers primarily in the United States, as well as in the United Kingdom and other international locations. The company operates through five reportable segments: Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits, and Hartford Funds. Founded in 1810 through its oldest subsidiary, Hartford Fire Insurance Company, it is considered a leading P&C and employee group benefits insurer.
Read filing description ↓ Collapse description ↑
The Hartford Insurance Group, Inc. ('HIG') is a holding company for a group of subsidiaries that provide property and casualty ('P&C') insurance, employee group benefits insurance and services, and mutual funds and exchange-traded funds ('ETF') to individual and business customers in the United States, as well as in the United Kingdom and other international locations. The Hartford is headquartered in Connecticut and its oldest subsidiary, Hartford Fire Insurance Company, dates back to 1810. As of December 31, 2025, total assets and total stockholders' equity of The Hartford were $86.0 billion and $19.0 billion, respectively. The Hartford strives to maintain and enhance its position as a market leader within the insurance industry. The Company sells diverse and innovative products through multiple distribution channels to individuals and businesses and is considered a leading property & casualty and employee group benefits insurer. The Hartford Stag logo is a widely recognized symbol in the insurance industry. The Hartford's mission is to provide people and businesses with the support and protection they need to pursue their unique ambitions, seize opportunity, and prevail through unexpected challenges. The Company's strategy focuses on embracing a culture of growth, innovation and cross-enterprise collaboration; advancing leading underwriting capabilities; maximizing distribution channels; deepening customer centricity; optimizing organizational efficiency; accelerating artificial intelligence enablement; developing future ready talent; and balancing use of excess capital for growth initiatives, investments in the business, and return to stockholders.
Primary products
- Workers' Compensation
- General Liability
- Marine
- Package Business
- Commercial Property
- Professional Liability
Business segments
End markets
Geographies
Named customers
Business sold to AARP members, either direct or through independent agents, amounted to earned premiums of $3.4 billion, $3.2 billion and $2.9 billion in 2025, 2024 and 2023, respectively.
“The Hartford is considered a leading property & casualty and employee group benefits insurer.” Competitive position, as stated in the filing
Revenue commentary · FY 2025
Total revenues increased 7% in 2025, driven by a 6% increase in earned premiums, a 13% increase in net investment income, and modest growth in fee income.
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