Company: HIG-PG
Filing Date: 2025-02-21
Form Type: 10-K
Source: 0000874766-25-000023
Chunk: 327

Company: HARTFORD INSURANCE GROUP, INC.
Filing Date: 2025-02-21
Form: 10-K
Item: Item 1
Chunk 327
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85 $134.61 $146.09 $202.42 S&P 500 Index$100 $118.40 $152.39 $124.79 $157.59 $197.02 S&P Insurance Composite Index$100 $99.56 $131.54 $144.86 $158.28 $200.73 

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|Table of ContentsIndex to MD&APart II - Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations

Item 7. 

MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS(Dollar amounts in millions, 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