UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) THE HARTFORD FINANCIAL SERVICES GROUP, INC. (Exact name of registrant as specified in its charter) Delaware 13-3317783 ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURIT ...

Certain statements made in this presentation should be considered forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. These include statements about The Hartford's future results of operations. We caution investors that these forward-looking statements are not guarantees of future performance, and actual results may differ materially. Investors should consider the important risks and uncertainties that may cause actual results to differ, including those discussed i ...

The Hartford Financial Services Group, Inc. (NYSE:HIG) Q4 2023 Earnings Conference Call February 2, 2024 9:00 AM ET Company Participants Susan Spivak – Senior Vice President-Investor Relations Chris Swift – Chairman and Chief Executive Officer Beth Costello – Chief Financial Officer Jonathan Bennett – Head-Group Benefits Stephanie Bush – Head-Small Commercial and Personal Lines Mo Tooker – Head-Middle and Large Commercial and Global Specialty Conference Call Participants Andrew Kligerman – TD Cowen Gregory ...

Financial Data and Key Metrics Changes - The company reported core earnings of $708 million, or $2.29 per diluted share, with a core earnings return on equity (ROE) of 13.8% [137][133] - The underlying combined ratio for Commercial Lines improved to 87.8, reflecting strong performance [137][133] - Net investment income for the quarter was $597 million, benefiting from higher interest rates, with a total annualized portfolio yield of 4.1% before tax [17][133] Business Line Data and Key Metrics Changes - Commercial Lines experienced an 8% growth in top-line revenue, with written premiums exceeding $1 billion in Middle & Large Commercial, and an exceptional underlying combined ratio of 88.1 [15][133] - Group Benefits saw premium growth of 8% and a quarterly earnings margin of 9.8%, with core earnings reaching a record $170 million [6][133] - Small Commercial written premiums were $1.2 billion, with a 16% growth in new business and an underlying combined ratio below 90 for the 13th consecutive quarter [140][137] Market Data and Key Metrics Changes - The U.S. economy remains resilient, with robust payroll and strong retail sales supporting the company's business environment [11] - The company noted strong pricing trends across various lines, with Commercial property pricing exceeding 10% and Auto and General Liability nearing that level [5][133] - The company anticipates a 25% increase in commercial property premium for the full year, approaching $2.5 billion [134][133] Company Strategy and Development Direction - The company is focused on disciplined pricing and underwriting, aiming to sustain profitable growth while managing catastrophe exposure [20][134] - The management emphasized the importance of data science capabilities and underwriting tools to enhance margins and competitive positioning [12][134] - The company plans to return Personal Lines to targeted profitability by 2025, with ongoing rate increases expected [30][77] Management Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's strategies, talent, and technology to continue delivering consistent results [18] - The company is monitoring economic conditions closely, with expectations of continued strong performance in Group Benefits due to low unemployment levels [61][82] - Management acknowledged competitive pressures in the market but remains optimistic about maintaining pricing discipline and growth [110][96] Other Important Information - The company reported total net favorable prior accident year development of $43 million, with reserve reductions in workers' compensation and package businesses [145][133] - The investment portfolio produced strong results, with expectations of a $200 million before-tax increase in investment income excluding limited partnerships [146][133] Q&A Session Summary Question: What are the trends in Commercial Lines premium growth? - Management noted a disciplined approach to pricing and underwriting, which may have led to a slowdown in premium growth in the Middle Market [19][20] Question: How is the company addressing medical cost inflation in workers' compensation? - Management indicated that medical severity is trending lower than expected, with claims management strategies in place to mitigate risks [38][39] Question: What is the outlook for Personal Lines profitability? - Management expects a return to profitability in Personal Lines by 2025, with ongoing rate increases and improved execution [30][77] Question: How does the company view the competitive environment in commercial insurance? - Management believes the competitive environment remains stable, with a focus on maintaining pricing discipline despite rising reinsurance costs [110][95] Question: Can you elaborate on the Group Benefits business and its economic sensitivity? - Management highlighted that the Group Benefits business is sensitive to employment levels, with strong performance linked to low unemployment rates [80][82]

The Hartford Financial Services Group, Inc. | October 26, 2023 The Hartford's Third Quarter 2023 Financial Results Certain statements made in this presentation should be considered forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. These include statements about The Hartford's future results of operations. We caution investors that these forward-looking statements are not guarantees of future performance, and actual results may differ materially. Investors should ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ____________________________________ FORM 10-Q ____________________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____________ to ______________ Commission file number 001-13958 ________________ ...

The Hartford Financial Services Group, Inc. (NYSE:HIG) Q2 2023 Earnings Conference Call July 28, 2023 9:00 AM ET Company Participants Susan Spivak Bernstein – Senior Vice President, Investor Relations Chris Swift – Chairman and Chief Executive Officer Beth Costello – Chief Financial Officer Stephanie Bush – Head-Small Commercial and Personal Lines Mo Tooker – Head-Enterprise Sales & Distribution, Global Specialty, and Middle & Large Commercial Conference Call Participants Alex Scott – Goldman Sachs Mike Zar ...

4Q21 CORE EARNINGS 4Q21 CORE EARNINGS11 OF $697 MILLION, EPS OF $697 MILLION, EPS1,2 1,2 OF $2.02, ROE OF $2.02, ROE1,3 1,3 OF 12.7% OF 12.7% From time to time, The Hartford may use its website and/or social media outlets, such as Twitter and Facebook, to disseminate material company information. Financial and other important information regarding The Hartford is routinely accessible through and posted on our website at https://ir.thehartford.com. In addition, you may automatically receive email alerts and ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ____________________________________ FORM 10-Q ____________________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____________ to ______________ Commission file number 001-13958 _____________________ ...

The Hartford Financial Services Group, Inc. (NYSE:HIG) Q1 2023 Earnings Conference Call April 28, 2023 9:00 AM ET Company Participants Susan Spivak - SVP, IR Chris Swift - Chairman and CEO Beth Costello - CFO Jonathan Bennett - Head of Group Benefits Stephanie Bush - Head of Small Commercial and Personal Lines Mo Tooker - Head of Middle & Large Commercial and Global Specialty Conference Call Participants Brian Meredith - UBS Yaron Kinar - Jefferies Elyse Greenspan - Wells Fargo Alex Scott - Goldman Sachs Da ...