For the transition period from to Commission file number 001-13958 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 The Hartford Insurance Group, Inc. (Exact name of registrant as specified in its charter) Delaware 13-3317783 (State or other j ...

Core Insights - The article evaluates car insurance coverage from 20 major insurers, highlighting the importance of comprehensive policies that exceed state minimum requirements [2][20]. Group 1: Top Insurers and Ratings - American Family received the highest rating of 5 stars, offering extensive coverage options including new car replacement and pet injury coverage [3][20]. - Farmers ranked second with 4.4 stars, providing 17 policy options and a usage-based insurance program that can reduce rates by up to 15% [6][7][20]. - Allstate earned 4.2 stars, known for its wide range of customizable coverage options and competitive rates for full coverage [9][11][20]. - Liberty Mutual and The Hartford both received 3.9 stars, with Liberty Mutual offering unique options like teacher's car insurance and The Hartford providing RecoverCare coverage for home services post-accident [14][18][20]. Group 2: Coverage Options and Add-Ons - The article emphasizes that the best car insurance policies include a variety of add-ons such as accident forgiveness, diminishing deductibles, and roadside assistance [23][26]. - Insurers like American Family, Farmers, Allstate, Liberty Mutual, and The Hartford are noted for their broad selection of coverage types and add-ons, catering to drivers seeking customization [33][36]. - Specific add-on coverage availability was weighted heavily in the evaluation, accounting for 50% of the overall score for each insurer [38][39]. Group 3: Cost and Competitiveness - The average cost for full coverage car insurance varies among the top insurers, with Farmers at $151, Allstate at $182, Liberty Mutual at $180, and The Hartford at $153 [6][11][16][22]. - The article suggests that many of the top-rated insurers offer full coverage policies at or below the national average, making them competitive options for consumers [24][39]. Group 4: Methodology - The evaluation methodology involved scoring insurers based on rates, breadth of coverage offerings, and the availability of key protective add-ons, ensuring a comprehensive analysis of their offerings [36][37]. - Insurers were assessed on their total number of coverage options, with a broader selection earning higher ratings, reflecting greater flexibility for drivers [42].

Core Insights - The Hartford Insurance Group, Inc. (HIG) is valued at $39.6 billion and operates primarily in the property-and-casualty insurance sector, with a history dating back to 1810 [1] Performance Overview - HIG shares have outperformed the broader market, gaining 27.6% over the past year compared to the S&P 500 Index's 12.9% increase [2] - Year-to-date in 2026, HIG stock is up 3%, while the S&P 500 has experienced a marginal decline [2] Comparison with Industry Peers - HIG has also outperformed the Invesco KBW Property & Casualty Insurance ETF (KBWP), which gained 8.5% over the past year and saw a 3.4% drop year-to-date [3] Financial Performance - In Q4 2025, HIG reported a 1.3% increase in shares following robust profitability, with core earnings rising 38% year-over-year to $4.06 per share [5] - Business Insurance loss ratios improved due to lower catastrophe losses and favorable prior-year reserve development, while Personal Insurance saw improvements from better auto and homeowners performance [5] - Net investment income increased to $832 million, driven by higher invested assets and stronger alternative-investment returns [5] Earnings Expectations - For the current fiscal year ending in December, analysts expect HIG's EPS to dip 1.4% to $13.23 on a diluted basis [6] - HIG has a strong earnings surprise history, beating consensus estimates in the last four quarters [6] Analyst Ratings - Among 26 analysts covering HIG, the consensus rating is a "Moderate Buy," with 11 "Strong Buy" ratings, 2 "Moderate Buys," and 13 "Holds" [6] - The stock's configuration is more bullish than two months ago, with an increase in "Strong Buy" recommendations [7] - Analyst Meyer Shields from Keefe, Bruyette & Woods reiterated an "Outperform" rating and raised the price target to $163 from $160, indicating confidence in HIG's outlook [7]

Company Overview - Hartford Insurance has demonstrated strong performance, achieving a 355% increase over the last 10 years, significantly outperforming the S&P 500 Equal Weight Index, which rose by 255% during the same period [2]. Market Performance - The decoupling of markets, particularly with reference to the "Mag 7" stocks, highlights a unique position for Hartford Insurance, indicating that the company's success is attributed to effective execution and strategic decisions [2].

Summary of The Hartford Insurance Group Conference Call Company Overview - **Company**: The Hartford Insurance Group (NYSE:HIG) - **Date**: February 10, 2026 - **Event**: U.S. Financial Services Conference Key Points Industry Performance - The Hartford has outperformed its peers over the last decade, achieving a 355% increase compared to the S&P 500 equal weight index's 255% and other competitors like Travelers and Chubb [1][2] Investment in Technology - The Hartford has made significant investments in technology, particularly in software and artificial intelligence (AI), to enhance customer experience and operational efficiency [2][6] - A $250 million investment was made in Duck Creek for personal lines business, indicating a focus on modernizing core platforms [7] - The company is transitioning to a cloud-native infrastructure, aiming for 80% completion by the end of 2027 [12] AI Integration - The Hartford has been implementing AI for two years, focusing on personal productivity tools and end-to-end process transformation [9][10] - AI is expected to enhance customer experience and operational productivity, with a focus on data organization to support AI applications [8][10] Market Position and Growth - The Hartford is capturing more market share across small, middle, and large global specialty markets due to its technological capabilities and customer-oriented approach [13] - The company anticipates higher retention rates and increased market share, particularly in the small business segment [13] Financial Performance and R&D Spending - The Hartford's R&D spending has increased from approximately $350 million to over $500 million annually, with no expected decrease in the near term [16][17] - The company maintains a stable acquisition cost for agents, with commission rates remaining steady at around 14%-14.5% [37] Personal Lines Strategy - The Hartford is expanding its personal lines offerings through the Prevail launch, aiming to provide comprehensive coverage while maintaining competitive pricing [42][47] - The company is currently in 10 states with plans to expand to 30 by early 2027 [46] Economic Outlook - The current economic environment is viewed positively, with low unemployment rates and strong GDP growth expected [65][66] - The Hartford's business is closely tied to employment, particularly in workers' compensation and disability insurance, which are seen as strengths [66] Social Inflation Concerns - Social inflation is acknowledged as a real issue affecting claims costs, with trends indicating increasing litigation rates and higher settlement amounts [76][77] Capital Allocation - The Hartford plans to maintain a competitive dividend, having increased it by 15% recently, while also focusing on share repurchases [82][83] - The company emphasizes the importance of investing in business growth while balancing capital returns to shareholders [82] Conclusion - The Hartford is positioned for continued growth through strategic investments in technology and a focus on customer experience, while navigating economic challenges and maintaining a strong financial foundation [66][82]

Group 1 - The article discusses the importance of enabling Javascript and cookies in browsers to prevent access issues [1] - It highlights that users with ad-blockers may face restrictions when trying to access content [1]

Core Insights - The Hartford is focusing on growth through technology and AI, aiming to enhance customer experience and operational efficiency while expanding its market presence in personal and property insurance lines [1][2][5][10]. Growth Strategy - The Hartford plans to expand its Agency Prevail personal lines platform from approximately 10 states to 30 states by early 2027 [1][4]. - The company is targeting a double-digit growth rate in property underwriting, which currently stands at about $3.3 billion, into 2026 [2][4]. - The Hartford aims to grow its small-business E&S binding book by about 10% next year [4][14]. Technology and AI Initiatives - The Hartford is investing in "tech-enabled, AI-enabled" capabilities, having trained over 6,000 employees and partnered with Google for a three-year rollout of productivity tools [5][7]. - The company is focusing on personal productivity tools and end-to-end workflow redesign across underwriting, operations, and claims [6][8]. - Early evidence of AI's effectiveness is promising, particularly in small and middle market businesses, with significant automation already in place [9][10]. Market Position and Pricing Strategy - The Hartford is emphasizing margin discipline as property pricing softens, while liability pricing remains strong [3][11]. - The company views the insurance market as consisting of "micro cycles," with a focus on small and middle market accounts that are performing better than large accounts [12][13]. - The Hartford is less focused on shared-and-layered business and plans to pull back in certain E&S and large property areas [12]. Regulatory and Competitive Landscape - The Hartford is navigating political and regulatory pressures regarding affordability in personal lines, citing Florida and California as examples of ineffective price control measures [16]. - The company believes that sustained investment in AI will differentiate it from competitors, positioning it in the "have" category for AI adoption [10]. Financial Performance and Capital Management - The Hartford expects to generate strong returns and excess capital, with preferred uses of this capital being dividend increases and share buybacks [18][19]. - In group benefits, the company has outperformed expectations related to incidence and recovery rates, indicating a strong strategic fit for its underwriting business [17].

Summary of The Hartford Insurance Group Conference Call Company Overview - **Company**: The Hartford Insurance Group (NYSE:HIG) - **Date**: February 09, 2026 - **Speakers**: Chris Swift (Chairman and CEO), Beth Costello (CFO) Key Strategic Priorities 1. **Investment in Technology**: Focus on tech-enabled and AI-enabled capabilities to enhance customer experience and augment human talent [3][4] 2. **Property Underwriting Growth**: Aim to increase property underwritings, currently at $3.3 billion, with a target of double-digit growth into 2026 [4] 3. **Agency Prevail Expansion**: Plan to operate in 30 states by early 2027, enhancing relationships with agents and brokers [4][6] 4. **Employee Benefits Market**: Maintain a top three market position and expand absence capabilities, including paid family leave and supplemental products [6][7] 5. **Focus on Smaller Employers**: Develop dental and vision capabilities for employers with fewer than 500 lives, leveraging partnerships for technology [7] Technology and AI Investments - **AI Integration**: Investments in AI are aimed at improving workflows and personal productivity tools, with a focus on underwriting, operations, and claims [10][19] - **Data Organization**: Emphasis on organizing data to enhance AI capabilities, which is crucial for effective AI deployment [12][13] - **Productivity Tools**: Over 6,000 employees trained in productivity tools like Microsoft Copilot and Google Notebook [16] - **Claims Processing**: AI used to summarize medical records, significantly reducing processing time from weeks to hours [41][43] Market Environment and Pricing - **Commercial Lines Pricing**: Renewal written price increases moderated to 6.1%, the lowest since Q1 2021, indicating a softening market [53][54] - **Loss Trends**: Loss trends are slightly increasing, with property being the most competitive area, while liability remains robust [60][66] - **Micro Cycles**: The market is characterized by micro cycles in different segments, requiring careful management [67] Competitive Positioning - **Growth vs. Competition**: The Hartford aims to grow its property business despite competitive pressures, focusing on small to middle market segments [68][70] - **Product and Distribution Expansion**: Enhanced product capabilities and strong agency relationships have positioned The Hartford for continued growth [102][106] Regulatory and Economic Considerations - **Personal Lines Regulation**: The Hartford is aware of potential regulatory changes affecting personal lines and emphasizes the need for clear communication about pricing and loss trends [120][124] - **Group Benefits Performance**: The group benefits business has consistently outperformed margin targets due to effective underwriting and timely recoveries [130][134] Future Outlook - **Investment in AI**: The Hartford is committed to sustained investment in AI over the next three years, anticipating a divide between companies that embrace technology and those that do not [46][48] - **Market Share Growth**: The company expects to grow faster than the market, capture more market share, and generate superior returns on equity (ROE) [154] Conclusion - **Investment Appeal**: The Hartford is positioned as a strong investment opportunity due to its consistent performance, disciplined underwriting, and strategic growth initiatives [154][155]

Core Insights - Car insurance rates are increasing for drivers over the age of 65 due to insurers' concerns about age-related risks, making it essential for seniors to shop around for affordable coverage [1][40] - Yahoo Finance analyzed 20 leading auto insurers to identify the best options for senior drivers, focusing on costs, discounts, coverage features, and claims handling [2][41] Company Rankings - The Hartford received the highest rating of 5.0 stars, offering the lowest rates for seniors at an average of $103 per month, along with discounts for AARP members and nationwide availability [3][40] - American Family ranked second with a rating of 4.9 stars, providing affordable rates, a low-mileage program, and strong discounts, with an average cost of $104 per month [8][40] - Farm Bureau earned a rating of 4.8 stars, also offering competitive rates at $104 per month, with excellent claims handling scores and a usage-based insurance program [11][40] Coverage and Discounts - The Hartford provides 13 coverage options and 11 types of discounts, including accident forgiveness and roadside assistance [7] - American Family offers a low-mileage program that can save seniors up to 25% per month, along with 11 coverage options and 17 types of discounts [8][13] - Farm Bureau features 11 coverage options and 17 types of discounts, including a low-mileage discount and accident forgiveness [13][14] Claims Handling - The Hartford has a claims handling grade of C+ from the CRASH Network, indicating average performance [7] - American Family's claims handling is noted for being particularly favorable for drivers post-accident [8] - Farm Bureau received high marks for claims handling, with grades ranging from A+ to B- across different states [11][13] Additional Insights - Senior drivers' average monthly premium for full coverage is $129, highlighting the importance of comparison shopping to find the best rates [30] - Insurers are encouraged to offer tailored discounts and coverage options that cater specifically to the needs of senior drivers [39][41]

Core Insights - Hartford Insurance Group Inc. reported a Q4-2025 EPS of $4.06, exceeding analyst expectations of $3.22, driven by a 6.3% year-over-year revenue growth from $6.9 billion to $7.3 billion and an improved expense ratio [1][3] - The company achieved core earnings of $3.8 billion and a return on equity of 19.4% [1] Analyst Ratings and Target Prices - Roth Capital raised its target price for Hartford Insurance by 12.5% from $120 to $135, citing lower catastrophe losses and higher investment yields [2] - Wells Fargo increased its target price from $153 to $156 (+2.0%) while maintaining an "Overweight" rating, also referencing the earnings beat and improved expense ratios [2] - Approximately 52% of analysts covering Hartford Insurance have a "Buy" rating, with a median target price of $149, indicating a potential upside of 10.32% (22.17% based on the highest estimate of $165) [2] Company Overview - Hartford Insurance operates mainly in Commercial Lines, Group Benefits, and Hartford Funds, providing various insurance and financial services [2] - The company was founded on May 10, 1810, and is headquartered in Hartford, CT [2]