About Hartford Fire Insurance Company

The Hartford Financial Services Group is an insurer offering a range of commercial and personal property/casualty insurance and financial products. Its commercial operations include auto, liability, and workers' compensation policies, as well as group benefits and specialty commercial coverage for large companies. The Hartford also offers consumer homeowners and auto coverage. The group has been the direct auto and home insurance writer for AARP's members for more than 30 years. Through its mutual fund division, the company offers wealth management products and services. The Hartford, in business since 1810, serves some 18 million individuals.


The Hartford operates through six reporting segments: Commercial Lines (more than 35% of total revenue), Personal Lines (more than 20%), Group Benefits (more than 15%), Talcott Resolution (more than 5%), Mutual Funds (about 5%), and Property & Casualty Other Operations. It also has a Corporate segment.

The largest segments, Commercial Lines and Personal Lines, represent the company's core business of property/casualty offerings. Commercial Lines provides workers' compensation, property, auto, marine, livestock, liability, and umbrella coverages, as well as customized products and risk management services including professional liability, bond, surety, and specialty casualty coverage. The Personal segment provides auto, homeowners, and personal umbrella coverage, including its special program designed exclusively for AARP members.

The Group Benefits segment provides employers, associations, and other groups with group life, accident, and disability products, as well as other lines including voluntary benefits and group retiree health.

The Talcott Resolution segment manages the group's runoff annuity and institutional life offerings.

Mutual Funds offers investment products and investment management and administrative services such as product design, implementation, and oversight.

Geographic Reach

The Hartford writes business for customers throughout the US from some 100 offices.

Sales and Marketing

The Hartford promotes its commercial and group benefits products through a network of thousands of independent agents and brokers, as well as through third-party administrators and trade associations. It markets personal lines through a number of channels, including direct-to-consumer campaigns utilizing direct mail, digital marketing, television, and print advertising. The group also markets personal lines products through independent agents.

The company's mutual funds team sells through broker-dealer organizations, independent financial advisors, defined contribution plans, bank trust groups, and other channels.

Financial Performance

The Hartford's revenue declined 29% to $18.6 billion in 2014 from losses on discontinued operations, and have hovered at around the same level since. Revenue declined less than 1% to $18.3 billion in 2016 as fee income and investment income dropped and total net realized capital losses increased. This was partially offset by the group's 2% growth in earned premiums.

Since 2012, when the company lost a net $38 million, net income had been recovering, but it fell 47% to $896 million in 2016. The drop was largely due to an after-tax loss on reinsurance transaction as well as lower net investment income and higher personal lines auto loss costs.

Cash flow from operations, which has fluctuated over the years, declined 25% to $2.1 billion in 2016. The decline was driven by the year's lower net income, a decrease in accrued and deferred income taxes, and net changes in other assets and liabilities.


Following the divestiture of most of its life and annuity operations, The Hartford is focused on the growth of its property/casualty, mutual fund, and group benefits operations. It has been investing in its ability to offer new types of coverage as well as deepening its activities in its core offerings. It is also spending cash on technology, data, and digital capabilities to increase productivity.

The company has targeted growth in both its commercial and consumer market segments. The Hartford's consumer markets division seeks marketing alliances, such as its exclusive arrangement to provide auto and homeowners polices to members of AARP. Pleased with the results of working with AARP, The Hartford has pulled back on mass marketing and is targeting other affinity groups, striking arrangements with the American Kennel Club, the Sierra Club, and the National Wildlife Federation.

Meanwhile, the commercial division aims to grow by offering diversified products and services, especially to small and midsized businesses. For example, in 2016 the group entered the excess and surplus market and launched a dedicated energy practice.

Perhaps in order to limit its exposure in Europe (and especially in the UK, which has been increasingly volatile in anticipation of the nation's pending withdrawal from the European Union), The Hartford agreed to sell its UK property/casualty run-off units Hartford Financial Products International and Downlands Liability Management to Catalina Holdings (Bermuda). The $259 million deal closed in mid-2017.

Mergers and Acquisitions

In 2016, The Hartford bought Maxum Specialty Insurance Group for $168 million. Maxum Indemnity is an authorized excess and surplus lines provider in 49 states plus the District of Columbia, Puerto Rico, and the US Virgin Islands; the company is active throughout the US.

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Hartford Fire Insurance Company

1 Hartford Plz
Hartford, CT 06115-1703
Phone: 1 (860) 547-5000
Fax: 1 (860) 547-4562


  • Employer Type: Public
  • Executive Vice President: Brad Burdick
  • Executive Vice President, Small Commercial: Stephanie Bush
  • Executive Vice President: Mike Concannon
  • Employees: 17,399

Major Office Locations

  • Hartford, CT

Other Locations

  • Scottsdale, AZ
  • Gold River, CA
  • Los Angeles, CA
  • Greenwood Village, CO
  • Weatogue, CT
  • Windsor, CT
  • Lake Mary, FL
  • Alpharetta, GA
  • Chicago, IL
  • Shawnee Mission, KS
  • Cockeysville, MD
  • Troy, MI
  • Saint Louis, MO
  • Rockaway, NJ
  • New York, NY
  • Cleveland, OH
  • Purcell, OK
  • Allentown, PA
  • Horsham, PA
  • Pittsburgh, PA
  • Frisco, TX
  • Alexandria, VA
  • Glen Allen, VA
  • Seattle, WA
  • Saskatoon, Canada
  • Toronto, Canada
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