Hartford Insurance Group
26 named things its latest annual report says its results depend on, each in the company's own words. 16 of them are also named by other companies we've read.
Customers
AARP
earns from · approximately 38 million membersMost of Personal Insurance's sales are associated with its exclusive licensing arrangement with AARP, with the current agreement in place through December 31, 2032, to market automobile, homeowners and personal umbrella coverages to AARP's approximately 38 million members.Business (Item 1)
Suppliers
Hartford Funds sub-advisors
depends on · approximately 60 actively managed mutual fundsIncludes approximately 60 actively managed mutual funds across a variety of asset classes including domestic and international equity, fixed income, and multi-strategy investments, principally sub-advised by two unaffiliated institutional asset management firms.Business (Item 1)
Single IT outsourcing vendor
depends onnamed as a riskWe outsource certain business and administrative functions and rely on third-party vendors to perform certain functions or provide certain services on our behalf and have a significant number of information technology and business processes outsourced with a single vendor.Risk factors (Item 1A)
Partners and platforms
AARP
depends on · earned premiums of $3.4 billionnamed as a riskFor example, we market Personal Insurance products in large part through an exclusive licensing arrangement with AARP that continues through December 31, 2032.Risk factors (Item 1A)
Lloyd's of London
operates inAs the sole corporate member of Lloyd's Syndicate 1221, the Company has the exclusive right to underwrite business up to an approved level of premium in the Lloyd’s of London ("Lloyd's") market.Business (Item 1)
Also named by AJG, BRO, CB, CINF, CNA, L, MKL, VRSK and 1 more
Major national payroll companies
depends onIn addition, the Company offers insurance products to customers of payroll service providers through its relationships with major national payroll companies in the United States and to members of affinity organizations.Business (Item 1)
Places
California
concentrated in · 12%No other single state or country accounted for 5% or more of the Company's consolidated earned premium in 2025.Business (Item 1)
Also named by A, AAON, AFRM, ALK, ALLY, AN, ARE, AVAV and 88 more
Texas
concentrated in · 9%No other single state or country accounted for 5% or more of the Company's consolidated earned premium in 2025.Business (Item 1)
Also named by ABR, AFRM, ALLY, AN, ASO, ASTS, ATO, AXP and 70 more
Florida
concentrated in · 5%No other single state or country accounted for 5% or more of the Company's consolidated earned premium in 2025.Business (Item 1)
Also named by ABR, ALLY, AN, AXP, AZO, BBY, BJ, BRO and 54 more
New York
concentrated in · 9%No other single state or country accounted for 5% or more of the Company's consolidated earned premium in 2025.Business (Item 1)
Also named by ABR, AXP, BJ, BPOP, BRO, BWA, CHE, CINF and 12 more
United Kingdom
operates inBusiness Insurance provides insurance products and services through the Company’s regional offices, branches and sales and policyholder service centers throughout the United States and, to a lesser extent, overseas, principally in the United Kingdom.Business (Item 1)
Also named by AGX, AJG, AMP, BAC, BF/B, BGC, BRO, C and 59 more
Hazards
Commodities and inputs
British Pound
exposed to its pricenamed as a riskWe hold cash and fixed maturity securities denominated in foreign currencies, including British Pounds and Canadian dollars, among others, and also have other assets and liabilities denominated in foreign currencies such as premiums receivable and loss reserves.Risk factors (Item 1A)
Also named by ABBV, ADBE, AJG, AME, AMP, APA, BF/B, BRO and 39 more
Regulators
Bermuda Monetary Authority
subject tonamed as a riskOur international insurance subsidiaries are subject to the laws and regulations of the relevant jurisdictions in which they operate, including the requirements of the PRA and the FCA in the U.K, the Bermuda Monetary Authority in Bermuda and the Insurance Authority in Hong Kong.Risk factors (Item 1A)
Also named by AFL, AIG, APO, ARES, CAT, CB, CG, COIN and 8 more
UK Financial Conduct Authority (FCA)
subject tonamed as a riskOur international insurance subsidiaries are subject to the laws and regulations of the relevant jurisdictions in which they operate, including the requirements of the PRA and the FCA in the U.K, the Bermuda Monetary Authority in Bermuda and the Insurance Authority in Hong Kong.Risk factors (Item 1A)
Also named by CG, CME, EVR, HOOD, IBKR, IP, KKR, RITM and 1 more
Connecticut Insurance Department
subject tonamed as a riskConnecticut state laws and certain other U.S. jurisdictions in which we operate limit the payment of dividends and require notice to and approval by the state insurance commissioner for the declaration or payment of dividends above certain levels.Risk factors (Item 1A)
Council of Lloyd's
subject tonamed as a riskOur Lloyd’s Syndicate is also subject to management and supervision by the Council of Lloyd’s, which has wide discretionary powers to regulate members’ underwriting at Lloyd’s, as well as regulations imposed by overseas regulators where the Lloyd’s Syndicate conducts business.Risk factors (Item 1A)
Also named by CNA
UK Prudential Regulation Authority (PRA)
subject tonamed as a riskOur international insurance subsidiaries are subject to the laws and regulations of the relevant jurisdictions in which they operate, including the requirements of the PRA and the FCA in the U.K, the Bermuda Monetary Authority in Bermuda and the Insurance Authority in Hong Kong.Risk factors (Item 1A)
Hong Kong Insurance Authority
subject tonamed as a riskOur international insurance subsidiaries are subject to the laws and regulations of the relevant jurisdictions in which they operate, including the requirements of the PRA and the FCA in the U.K, the Bermuda Monetary Authority in Bermuda and the Insurance Authority in Hong Kong.Risk factors (Item 1A)
Financial Industry Regulatory Authority (FINRA)
subject toThe Company sells and distributes its mutual funds and ETFs through a broker dealer subsidiary, and is subject to regulation promulgated and enforced by the Financial Industry Regulatory Authority, the SEC and/or, in some instances, state securities administrators.Business (Item 1)
Also named by AB, ADP, AGNC, AMG, AMP, BAM, BEN, BR and 23 more
Laws and programs
NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers
subject to · About 25 statesnamed as a riskThe NAIC adopted a Model Bulletin on the Use of Artificial Intelligence Systems by Insurers.Risk factors (Item 1A)
Solvency II
subject tonamed as a riskThe FAL is determined based on the syndicate’s Solvency Capital Requirement (“SCR”) under the Solvency II capital adequacy model plus an economic capital assessment determined by the Lloyd’s Franchise Board (which is responsible for the day-to-day management of the Lloyd's market).Risk factors (Item 1A)
Terrorism Risk Insurance Program Reauthorization Act of 2019 (TRIPRA)
subject tonamed as a riskIn addition, TRIPRA 2019 expires on December 31, 2027 and if the U.S. Congress does not reauthorize the program or significantly reduces the government’s share of covered terrorism losses, the Company’s exposure to terrorism losses could increase materially unless it can purchase alternative terrorism reinsurance protection in the private markets at affordable prices or takes actions to materially reduce its exposure in lines of business subject to terrorism risk.Risk factors (Item 1A)
Sexual abuse reviver statutes
subject tonamed as a riskState and local governments' increased efforts aimed to respond to the costs and concerns associated with these types of issues may also lead to expansive, new theories for reporting claims or may lead to the passage of "reviver" statutes that extend the statute of limitations for the reporting of these claims, including statutes passed in certain states with respect to sexual molestation and sexual abuse claims.Risk factors (Item 1A)
Paid Family and Medical Leave (PFML) programs
earns fromStatutory paid family and medical leave ("PFML") programs are a source of growth as the Company offers fully insured coverage or administers self-insured coverage for some of these programs.Business (Item 1)