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The Hartford
HIG · NYSEInsurance
The economic chain
Follow the chain left → right, from inputs to end demand. Tap any company to trace its links.
Raw inputs
Equipment
Foundry
Chip design
Software
AI demand
Premiums &capitalthe money flowing inBrokers &distributionwho places the coverInsurerswho carries the riskReinsuranceinsuring the insurersClaims,payouts &…where the money goesPolicyholderswho is protected$PremiumsCAPCapital & investorsREGState regulatorsAGTIndependent agentsAJGArthur J. GallagherMMCMarsh McLennanHIGThe HartfordBIBusiness InsurancePIPersonal InsuranceEBEmployee BenefitsREGlobal reinsurersFLTInvestment portfolio (float)CLMClaims & loss adjustingBIZBusinessesYOUHouseholds & employeesAARPAARP
Company details
Market cap
$37B
P/E ratio
9.4×
Div yield
1.8%
EPS (TTM)
$14.44
Revenue
$28B
Rev. growth
+7%
BI comb. ratio
89%
Div growth streak
14 yrs
In plain English
The Hartford is a 215-year-old US insurer with a stag for a logo. It collects premiums from small and mid-size businesses and from drivers and homeowners, prices and pools the risk, then pays claims when fires, crashes, lawsuits and injuries happen — and runs a big employee-benefits arm selling life and disability cover to employers. It earns twice: an underwriting profit when claims come in below premiums, and investment income on the 'float' it holds against future claims.
In simple terms
What The Hartford really sells
The Hartford is a 215-year-old US insurer with a stag for a logo. It collects premiums from small and mid-size businesses and from drivers and homeowners, prices and pools the risk, then pays claims when fires, crashes, lawsuits and injuries happen — and runs a big employee-benefits arm selling life and disability cover to employers. It earns twice: an underwriting profit when claims come in below premiums, and investment income on the 'float' it holds against future claims.
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Risk read
Below average
SteadierMore speculative
Why this rating?