Hartford Insurance Group, Inc. (HIG)

Over the past six months, The Hartford's stock price has increased by 0.53% in the past month and 14.62% over the last 12 months. As of September 30, 2025, the share price was $133.39, an increase of 13.08% from October 1, 2024. Recent events impacting the stock include strong Q2 2025 financial results with 10% growth in earned premium in both Commercial and Personal Lines, and an improvement in the underlying loss and loss adjustment expense ratio for Personal Lines. Q1 2025 results were impacted by catastrophe losses, including those related to the January 2025 California Wildfire Event, despite this, new business in homeowners increased by 82% and automobile by 13% in Q1 2025 compared to Q1 2024. Several analysts have issued a consensus recommendation of "Hold" with an average one-year target price of $137.93, with some analysts raising their price targets. The Hartford also bolstered its cyber insurance offerings for small businesses, named Vladimir Stojanovic as Head of Enterprise Strategy, and finalized a second amended and restated credit agreement with several major banks.

Demand for property and casualty insurance can be influenced by seasonal weather patterns, with regions prone to hurricanes, wildfires, or severe winter storms potentially seeing increased claims or awareness of coverage needs during specific seasons. New business in homeowners and automobile insurance showed increases in Q1 2025 compared to Q1 2024, suggesting ongoing demand. Demand for group benefits might be less prone to sharp seasonal fluctuations but could align with annual enrollment periods or business cycles. Demand for investment products can be influenced by broader economic conditions, market performance, and investor sentiment, which may have seasonal patterns. The general liability insurance market is expected to exhibit a continued annual growth rate, suggesting a relatively stable, non-highly seasonal demand trend.

The Hartford Insurance Group, Inc. (HIG), also known as The Hartford, is an American investment and insurance company established in 1810 and based in Hartford, Connecticut. It operates in the Finance sector, specifically in Property & Casualty Insurance. The company's earnings are divided among property-and-casualty operations, group benefits, and mutual funds, offering a range of products and services for individuals, businesses, and institutions. Its major products and services include commercial lines such as workers' compensation and property insurance, personal lines including standard automobile and homeowners insurance, group benefits like life and disability coverage, and Hartford Funds, which offers mutual funds and investment solutions.

The Hartford primarily operates in the United States, with a presence in the United Kingdom and other international locations. Its headquarters have been in Hartford, Connecticut, for over 200 years. In September 2025, The Hartford opened a new India Technology Center in Hyderabad to advance artificial intelligence and digital innovation, complementing its existing U.S. technology centers in Hartford, Connecticut; Chicago, Illinois; and Charlotte, North Carolina.

The Hartford has a strong brand and reputation, recognized for its service excellence, sustainability practices, trust, and integrity. AM Best affirmed the credit ratings of The Hartford Insurance Group, reflecting its strong balance sheet, adequate operating performance, favorable business profile, and appropriate enterprise risk management. The company's commitment to AI innovation through the opening of a new India Technology Center, strong financial results, customer-centric philosophy, and commitment to social equity contribute positively to its reputation.

The ownership structure of The Hartford Insurance Group, Inc. (HIG) is predominantly institutional, with approximately 93.42% of the company's stock owned by institutional shareholders. Major institutional owners include Vanguard Group Inc., BlackRock, Inc., State Street Corp., FMR LLC (Fidelity Management & Research LLC), Price T Rowe Associates Inc. MD, Geode Capital Management LLC, and Invesco Ltd. Individual ownership, including insiders, accounts for a smaller percentage, with insiders owning about 0.34% of the stock.