The Hartford Insurance Group: An Insurer I Remain Bullish On, As Its Business Insurance Niche Grows
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Albert Anthony1.56K FollowersFollow5ShareSavePlay(21min)CommentsSummaryThe Hartford Insurance Group continues to get a buy rating from me, in my latest follow-up, where I agree with the bullish consensus.It has shown growth in its business insurance segment, resilience after the wildfire events last winter, and improvement to net inflows at its funds business, Hartford Funds.It is also a proven dividend grower over 10 years, with strong investment-grade credit grades from 3 agencies.Key peers include Chubb, Allstate, AIG, and Travelers, some of whom have also posted some strong profit margins.The asset risk exposure that includes mortgage loans and fixed-income securities has also been discussed, for more clarity on risk. Michael Warren/iStock via Getty Images Today's Pick: A Major P&C Insurer With A Recent Earnings Beat This past summer, I showed just how easy it can be to understand the insurance business, by writing about The Hartford Insurance Group (This article was written byAlbert Anthony1.56K FollowersFollowAlbert Anthony is the pen name of a Croatian-American business author who is a contributing analyst on investor platform & financial media site Seeking Alpha, where he has over +1K followers, & also writes for platforms like Investing dot com and is author of a new book on Amazon called Real Estate Investment Trusts (REITs): A Fundamental Analysis (2026 Edition).The author's background as a business information systems analyst also included the IT department at top 10 financial firm Charles Schwab, where he supported several enterprise applications and also the trading platform StreetSmart Edge. His data-driven, process-oriented background has served him well in launching his own boutique equities research firm, Albert Anthony & Company, a Texas-registered business which he manages 100% remotely on his own, and paved the way for his becoming a regular contributor to Seeking Alpha.Having grown up in the New York City area to a 1st generation Croatian family in the US, he also called home the Austin Texas area, as well as the growing EU market of Croatia where he participated in dozens of business & innovation conferences, trade shows, and panel discussions, and hosted an informational program for Online Live TV Croatia, covering business & innovation conferences and destinations.The author completed his B.A. in Political Science degree from Drew University, is certified in Microsoft Fundamentals, CompTIA Project+, and is currently in ongoing certification program via Corporate Finance Institute(CFI), focusing on Capital Markets & Securities Analyst (CMSA) and business intelligence/data analysis certifications, with an increased interest in streamlining the equities research process using business information tools, while delivering actionable insights to his readers.Besides appearing in financial media platforms, he is growing the Albert Anthony channel on YouTube (@author.albertanthony), where he talks about REITs, since he himself is an active investor in his own portfolio of REIT stocks.For any business email please use his official mail address: contact@albertanthony.usPlease note: The author does not write about non-publicly traded companies, small cap stocks, or startup CEOs, so any such mail received and pitches from PR agencies will be deleted.*Disclaimer: Albert Anthony and Albert Anthony & Co, as a US-based sole proprietorship registered as a trade name in Austin, Texas, are not registered financial advisors and do not provide personalized financial advisory to clients nor manage client funds but provide general markets commentary and research based on publicly-available data and our own analysis, and do not sell or market financial products and services, nor are compensated by any company for rating them. The author does not hold any material position in any stock he rates at the time of writing, unless otherwise disclosed. All investment is assumed to be at risk and readers are expected to do their due diligence beyond the scope of this author's commentary, agreeing to indemnify the author of any liability for potential investment losses.Analyst’s Disclosure:I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article. Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. 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Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.Quick InsightsWhat drives the reaffirmed Buy rating on HIG?A combination of strong dividend growth, low leverage, positive EPS revisions, organic business insurance growth, and reasonable valuation underpin the Buy rating.How does HIG's balance sheet and asset mix impact risk?HIG's low D/E ratio (0.23), investment-grade ratings, and limited securitized/mortgage exposure reduce leverage risk, but interest rate and commercial mortgage risks remain relevant.What are the key forward growth catalysts and risks for HIG?Forward catalysts include AI-driven efficiency, business insurance momentum, and improved fund inflows; risks center on catastrophe losses and commercial mortgage market volatility.Recommended For You