Hartford Insurance Group, Inc. (HIG) stock — is it a good business?

Hartford Insurance Group, Inc. (HIG) stock — is it a good business? — InspectStocks

Just reported

Q3 2026 results

From Hartford Insurance's results release of October 26, 2026; its quarterly report has since been filed.

Revenue
Actual
$7.22B
+3.9% y/y
-0.6% q/q
Guided
—
No guide given
EPS, GAAP
Actual
$4.82
+28% y/y
+3.0% q/q
Guided
—
No guide given

Set against the company's own guidance and the same quarter a year earlier, not analysts' estimates, which we do not hold. Adjusted figures are the company's own non-GAAP measures, as stated in the release.

The full earnings report →

How it makes money

Business insurance56%
Group life, disability and related employer benefits25%
Personal car and home insurance15%
Mutual funds and exchange-traded funds4%
Run-off property and casualty business0%

Shares of revenue are estimates for year ended 2025-12-31, not figures from a filing.

Competes with

What it sells6

Workers’ compensation insurance
Covers employers for medical costs, lost income and other benefits when employees are injured or become ill because of work.
Business property and liability insurance
Covers business buildings, equipment and other property, and claims that a business caused injury or property damage.
Commercial vehicle and specialty insurance
Covers business vehicles and specialized risks including marine, professional liability, surety bonds and certain risks taken on from other insurers.

Show 3 more

Personal automobile and homeowners insurance
Covers individuals’ cars, homes and belongings, including certain personal liability claims.
Group life, disability and leave-management services
Provides life and disability coverage to groups of employees and administers workplace leave and some self-funded disability plans.
Mutual funds and exchange-traded funds
Investment funds covering stocks, bonds and other strategies, sold to individual investors and through financial advisers and workplace retirement plans.

Who buys it5

Small businesses buying coverage for employees, buildings, equipment, vehicles and liability risks, often through insurance agents or brokers.
Middle-sized and large companies buying standard or tailored insurance, often with help from brokers.
Individuals buying automobile and homeowners policies directly or through independent agents, including members of AARP, formerly the American Association of Retired Persons.

Show 2 more

Employers, associations and other groups buying life and disability coverage for members or employees.
Investors and financial advisers buying or distributing mutual funds and exchange-traded funds.

What it stands on, and what could break it

What the business leans on

1Personal Insurance relies heavily on its exclusive arrangement to market automobile and homeowners coverage to AARP members.
2The company sells much of its insurance through independent agents and brokers; consolidation among those intermediaries can concentrate business among fewer distributors.
3Insurance rates and, for many policies, policy terms require approval by state regulators; its Lloyd’s syndicate also depends on annual approval of its underwriting capacity.
4The company relies on investment income from premiums held before claims are paid, so investment results depend on financial markets and interest rates.
5The company relies on reinsurance to transfer some insurance risk. National Indemnity Company suspended further payments under an asbestos and environmental reinsurance agreement while a dispute proceeds through arbitration.

What could go wrong

1Claims may cost more than the company’s earlier estimates, particularly for business liability and commercial vehicle insurance. The company has raised reserves after seeing more large claims, greater attorney involvement and higher claim severity.
2Severe weather events, including wind, hail and tornadoes, can generate large property claims across the company’s insurance business.
3Changes in credit spreads, equity prices and interest rates can affect the value and income of the investment portfolio used to support insurance claims and other obligations.

Full financial statements →

About Hartford Insurance Group, Inc.

Its largest business insures companies against workplace injuries, lawsuits, vehicle accidents and damage to buildings and equipment. It also sells car and home insurance to individuals, and life and disability coverage and leave-management services to employers. It earns investment income by investing premiums before claims are paid. Its mutual-fund and exchange-traded-fund business is under an agreement to be sold to Wellington Management.

Head office: Connecticut, United States
Employees: Approximately 19,200 (December 31, 2025, high)
Listed on: NYSE
Financial year ends: December 31

Built from Hartford Insurance Group, Inc.’s own filings with the U.S. Securities and Exchange Commission (SEC). Figures are as reported, with per-share history restated onto today’s share basis. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.

Just reported

Q3 2026 results

From Hartford Insurance's results release of October 26, 2026; its quarterly report has since been filed.

Revenue
Actual
$7.22B
+3.9% y/y
-0.6% q/q
Guided
—
No guide given
EPS, GAAP
Actual
$4.82
+28% y/y
+3.0% q/q
Guided
—
No guide given

The full earnings report →

Keep exploring

The themes Hartford Insurance is part of, the highest-graded companies in its industry, and the companies in its sector whose grade rose recently.

The theme it is part of

Highest-graded in Insurance Diversified

Graded A or B and worth $2B or more: A first, then the largest.

Grade rose recently in Financials

Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.

How it makes money

Business insurance56%
Group life, disability and related employer benefits25%
Personal car and home insurance15%
Mutual funds and exchange-traded funds4%
Run-off property and casualty business0%

Shares of revenue are estimates for year ended 2025-12-31, not figures from a filing.

Competes with

What it sells6

Workers’ compensation insurance
Covers employers for medical costs, lost income and other benefits when employees are injured or become ill because of work.
Business property and liability insurance
Covers business buildings, equipment and other property, and claims that a business caused injury or property damage.
Commercial vehicle and specialty insurance
Covers business vehicles and specialized risks including marine, professional liability, surety bonds and certain risks taken on from other insurers.

Show 3 more

Personal automobile and homeowners insurance
Covers individuals’ cars, homes and belongings, including certain personal liability claims.
Group life, disability and leave-management services
Provides life and disability coverage to groups of employees and administers workplace leave and some self-funded disability plans.
Mutual funds and exchange-traded funds
Investment funds covering stocks, bonds and other strategies, sold to individual investors and through financial advisers and workplace retirement plans.

Who buys it5

Small businesses buying coverage for employees, buildings, equipment, vehicles and liability risks, often through insurance agents or brokers.
Middle-sized and large companies buying standard or tailored insurance, often with help from brokers.
Individuals buying automobile and homeowners policies directly or through independent agents, including members of AARP, formerly the American Association of Retired Persons.

Show 2 more

Employers, associations and other groups buying life and disability coverage for members or employees.
Investors and financial advisers buying or distributing mutual funds and exchange-traded funds.

What it stands on, and what could break it

What the business leans on

1Personal Insurance relies heavily on its exclusive arrangement to market automobile and homeowners coverage to AARP members.
2The company sells much of its insurance through independent agents and brokers; consolidation among those intermediaries can concentrate business among fewer distributors.
3Insurance rates and, for many policies, policy terms require approval by state regulators; its Lloyd’s syndicate also depends on annual approval of its underwriting capacity.
4The company relies on investment income from premiums held before claims are paid, so investment results depend on financial markets and interest rates.
5The company relies on reinsurance to transfer some insurance risk. National Indemnity Company suspended further payments under an asbestos and environmental reinsurance agreement while a dispute proceeds through arbitration.

What could go wrong

1Claims may cost more than the company’s earlier estimates, particularly for business liability and commercial vehicle insurance. The company has raised reserves after seeing more large claims, greater attorney involvement and higher claim severity.
2Severe weather events, including wind, hail and tornadoes, can generate large property claims across the company’s insurance business.
3Changes in credit spreads, equity prices and interest rates can affect the value and income of the investment portfolio used to support insurance claims and other obligations.

Full financial statements →

About Hartford Insurance Group, Inc.

Head office: Connecticut, United States
Employees: Approximately 19,200 (December 31, 2025, high)
Listed on: NYSE
Financial year ends: December 31

Q3 2026 results

Revenue

EPS, GAAP

How it makes money

Competes with

What it sells6

Who buys it5

What it stands on, and what could break it

What the business leans on

What could go wrong

About Hartford Insurance Group, Inc.

Q3 2026 results

Revenue

EPS, GAAP

Keep exploring

The theme it is part of

Highest-graded in Insurance Diversified

Grade rose recently in Financials

How it makes money

Competes with

What it sells6

Who buys it5

What it stands on, and what could break it

What the business leans on

What could go wrong

About Hartford Insurance Group, Inc.

Keep exploring

The theme it is part of

Highest-graded in Insurance Diversified

Grade rose recently in Financials

Property & casualty insurers

Hartford Insurance Group, Inc.

Growth & cash — 5 of 5

Business trend

Share price and grade over time

Q3 2026 results

Revenue

EPS, GAAP

How it makes money

Competes with

What it sells6

Who buys it5

What it stands on, and what could break it

What the business leans on

What could go wrong

About Hartford Insurance Group, Inc.

Q3 2026 results

Revenue

EPS, GAAP

Keep exploring

The theme it is part of

Highest-graded in Insurance Diversified

Grade rose recently in Financials

How it makes money

Competes with

What it sells6

Who buys it5

What it stands on, and what could break it

What the business leans on

What could go wrong

About Hartford Insurance Group, Inc.

Keep exploring

The theme it is part of

Highest-graded in Insurance Diversified

Grade rose recently in Financials

Property & casualty insurers

Hartford Insurance Group, Inc.

Past performance

Growth & cash — 5 of 5

Business trend

Share price and grade over time