Last €28.98 EUR
Change Today +0.029 / 0.10%
Volume 0.0
HFF On Other Exchanges
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As of 2:16 AM 10/22/14 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

One Hartford Plaza

Hartford, CT 06155

United States

Phone: 860-547-5000

Fax:

The Hartford Financial Services Group, Inc., through its subsidiaries, provides insurance and financial services to individual and business customers primarily in the United States and Japan. Segments The company operates in the following segments: Property & Casualty Commercial, Consumer Markets, Property & Casualty Other Operations, Group Benefits, Mutual Funds, and Talcott Resolution. Property & Casualty Commercial segment This segment provides workers’ compensation, property, automobile, liability, umbrella, and marine coverages under various products, primarily throughout the United States, within its standard commercial lines, which consists of the company’s small commercial and middle market lines of business. Additionally, various customized insurance products and risk management services, including workers’ compensation, automobile, general liability, professional liability, livestock, and specialty casualty coverages are offered through this segment’s specialty lines. Standard commercial lines intend to offer products with coverage options and customized pricing based on the policyholder’s individualized risk characteristics. For small businesses, coverages are bundled as part of a single multi-peril package policy marketed under the Spectrum name. Medium-sized businesses, companies whose payroll, revenue and property values exceed the small business definition, are served within middle market. The middle market line of business provides workers’ compensation, property, automobile, liability, umbrella fidelity, surety, and marine coverages. Within the specialty lines, a portion of the specialty casualty business, including workers’ compensation business, is written through deductible programs where the insured provides collateral to support loss payments made within their deductible. The specialty casualty business also provides retrospectively-rated programs where the premiums are adjustable based on loss experience. Captive and Specialty Programs provide tailored property and casualty programs primarily to customers with common risk characteristics and those seeking a loss sensitive solution. Marketing and Distribution: The products are marketed nationwide utilizing brokers and independent agents. Additionally, the company offers insurance products to customers of payroll service providers through its relationships with major national payroll companies. Specialty lines markets its products nationwide utilizing various distribution networks, including independent retail agents, brokers, and wholesalers. Consumer Markets segment This segment provides automobile, homeowners and personal umbrella coverages to individuals across the United States, including a special program designed for members of AARP (AARP Program). Its auto and homeowners products provide coverage options and customized pricing modified to a customer's individual risk. Marketing and Distribution: In direct sales to the consumer, the company markets its products through a mix of media, including direct mail and e-commerce marketing, television and advertising, both digitally and in publications. During 2013, the company had affinity agreements with the American Kennel Club, Sierra Club, the National Wildlife Federation and Direct Selling Association. In addition to selling product through its relationship with AARP and other affinities, the company markets direct to the consumer within select underwriting markets. Group Benefits segment This segment provides group life, accident and disability coverage, group retiree health and voluntary benefits to individual members of employer groups, associations, affinity groups, and financial institutions. It offers disability underwriting, administration, claims processing and reinsurance to other insurers and self-funded employer plans. Policies are sold with one, two or three-year rate guarantees depending upon the product and market segment. In addition to the products and services traditionally offered within each of its lines of business, this segment offers The Hartford Productivity Advantage (THPA), a single-company solution for leave management, integrating work

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Industry Analysis

HFF

Industry Average

Valuation HFF Industry Range
Price/Earnings 38.4x
Price/Sales 0.7x
Price/Book 0.8x
Price/Cash Flow 25.7x
TEV/Sales 0.2x
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