Company: HIG-PG
Filing Date: 2025-02-21
Form Type: 10-K
Source: 0000874766-25-000023
Chunk: 992

Company: HARTFORD INSURANCE GROUP, INC.
Filing Date: 2025-02-21
Form: 10-K
Item: Item 1C
Chunk 992
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 except for per share data, unless otherwise stated)The Hartford provides projections and other forward-looking information in the following discussions, which contain many forward-looking statements, particularly relating to the Company’s future financial performance. These forward-looking statements are estimates based on information currently available to the Company, are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 and are subject to the cautionary statements set forth on pages 4 and 5 of this Form 10-K. Actual results are likely to differ, and in the past have differed, materially from those forecast by the Company, depending on the outcome of various factors, including, but not limited to, those set forth in the following discussion and in Part I, Item 1A, Risk Factors, and those identified from time to time in our other filings with the Securities and Exchange Commission. The Hartford undertakes no obligation to publicly update any forward-looking statements, whether as a result of new information, future developments or otherwise. The Hartford defines increases or decreases greater than or equal to 200%, or changes from a net gain to a net loss position, or vice versa, as "NM" or not meaningful.For discussion of the earliest of the three years included in the financial statements of the current filing, refer to Part II, Item 7, MD&A in The Hartford’s 2023 Form 10-K Annual Report.Index DescriptionPageKey Performance Measures and Ratios 38The Hartford's Operations43Financial Highlights45Consolidated Results of Operations46Investment Results49Critical Accounting Estimates51Business Insurance71Personal Insurance76Property & Casualty Other Operations81Employee Benefits82Hartford Funds84Corporate86Enterprise Risk Management87Capital Resources and Liquidity107Impact of New Accounting Standards114Throughout the MD&A, we use certain terms and abbreviations, the more commonly used are summarized in the Acronyms section.KEY PERFORMANCE MEASURES AND RATIOSThe Company considers the measures and ratios in the following discussion to be key performance indicators for its businesses. Management believes that these ratios and measures are useful in understanding the underlying trends in The Hartford’s businesses. However, these key performance indicators should only be used in conjunction with, and not in lieu of, the results presented in the segment discussions that follow in this MD&A. These ratios and measures may not be comparable to other performance measures used by the Company’s competitors.Definitions of Non-GAAP and Other Measures and RatiosAssets Under Management (“AUM”)- Include mutual fund and ETF assets. AUM is