How Reliable Is The Hartford?
The Hartford reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score.
Assessment
7.3/ 10This partial Carrier & MGA Spot Score covers identity and authority, financial resilience, disclosure clarity within the stated scope. It uses 45% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.
Partial score — 45% of this rubric’s factor weighting. Excluded: Claims and Servicing, Carrier-Network Strength, Regulatory Conduct
Assessed 2026-09-21 · Review due 2026-10-21
| Factor | Weight | Included | Score | Basis |
|---|---|---|---|---|
| Identity and Authority | 15% | 33.3%normalized | 2.6 / 4 | [1][2] |
| Financial Resilience | 20% | 44.4%normalized | 3.0 / 4 | [3][4][1][2] |
| Claims and Servicing | 20% | — | Excluded | The evidence does not sufficiently establish responsibility, access and escalation across the assessed services. |
| Carrier-Network Strength | 15% | — | Excluded | The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. |
| Regulatory Conduct | 20% | — | Excluded | A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| Disclosure Clarity | 10% | 22.2%normalized | 3.3 / 4 | [1][2][5][6] |
Included weights are normalized over the supported factors.
Evidence and Scope
Role: Carrier. Scope: The Hartford's US property-and-casualty carrier activity at named insurer level, centered on Hartford Fire Insurance Company and related writing companies disclosed in current legal notices and regulator records. The Hartford Insurance Group, Inc. is parent/holding-company context; life, benefits, Navigators and other entities are not merged into Hartford Fire's scored evidence.
Legal Identity
The Hartford's current writing-company notice lists multiple legal insurers and identifies the applicable company by product and jurisdiction. Hartford Fire Insurance Company is kept separate from Hartford Underwriters, Hartford Life and Accident, the holding company and other affiliates.[1]
Licensing
California's company profile identifies Hartford Fire Insurance Company as NAIC 19682, California ID 0085-1, domiciled in Connecticut, with Unlimited-Normal status and property-and-casualty authority. The profile is a California regulator record and does not by itself establish every state's product authority.[2]
The legal notice qualifies writing companies by product and jurisdiction, so the exact policy issuer should be confirmed from the application and policy rather than inferred from The Hartford brand.[1]
Financial Strength
The Hartford publishes current carrier-level financial-strength ratings for Hartford Fire Insurance Company: A+ from AM Best, Aa3 from Moody's and AA- from S&P, each shown with stable outlook. These ratings apply to Hartford Fire and are not transferred to every Hartford affiliate.[3]
The latest public SEC filing provides audited consolidated holding-company and segment financial statements for The Hartford Insurance Group, Inc. (f/k/a The Hartford Financial Services Group, Inc.) Those figures are group context and do not substitute for Hartford Fire's statutory surplus or imply a parent guarantee.[4]
Risk Bearing
Hartford Fire Insurance Company is identified as a named property-and-casualty insurer and the Hartford legal notice lists separate writing companies for different products and jurisdictions. The reviewed sources do not establish that Hartford Fire bears every policy sold under The Hartford brand.[1][2]
Claims Service
Regulatory Record
The reviewed regulator profile establishes California company identity and authorization context, but the available evidence does not establish a completed five-year conduct result for Hartford Fire Insurance Company or the other writing companies in the legal notice. No conclusion is drawn from that incomplete search.[2][1][7]
Evidence gaps
- Complete current state-by-state certificate-of-authority and line-of-business verification for Hartford Fire Insurance Company and each product writing company.
- Current statutory statements, surplus and risk-based-capital detail for the exact issuer of a buyer's policy.
- Policy-specific mapping of Hartford Fire, Hartford Underwriters and other writing companies by product and jurisdiction.
- Complete five-year regulatory and enforcement search for each assessed insurer entity.
- Current appointments and intermediary authority for any broker placing the policy.
Jurisdiction searches
| Jurisdiction | Result | Notes |
|---|---|---|
 CaliforniaCalifornia Department of Insurance | Verified regulator result[2] | California Department of Insurance company profile identifies Hartford Fire Insurance Company, NAIC 19682, California ID 0085-1 and Unlimited-Normal status. |
 WisconsinWisconsin Office of the Commissioner of Insurance | Not researched[7] | Wisconsin OCI Agent FAQ identifies the relevant authority rule, but current Wisconsin issuer authority was not independently established in the reviewed evidence. |
 United States | Not researched[1] | The legal notice provides writing-company/product context; a complete current state-by-state certificate-of-authority reconciliation was not completed. |
Licenses and Authority
These are reviewed authority records for the named legal entities and scope. A license record does not establish that a particular policy is available, bound, or suitable.
| Entity and jurisdiction | Identifier | License class and authority |
|---|---|---|
| Hartford Fire Insurance CompanyUnited States | NAIC number: 19682[2] | Property-and-casualty insurer identifier; NAIC identifier; state authorization is jurisdiction and line specific |
| Hartford Fire Insurance CompanyCalifornia | State license: 0085-1[2] | Company profile identifier; Unlimited-Normal; California Department of Insurance profile identifies authorization and property/casualty lines |
Sources
- Legal Notice. The Hartford; Writing company disclosure current as of December 31, 2025; insurer entities and jurisdiction/product writing-company qualification language. Accessed 2026-09-21.
- Hartford Fire Insurance Company Company Profile. California Department of Insurance; NAIC 19682; California ID 0085-1; Connecticut domicile; Unlimited-Normal status and authorized property-and-casualty lines. Accessed 2026-09-21.
- Financial Ratings. The Hartford; Financial Strength table: Hartford Fire Insurance Company A+ AM Best, Aa3 Moody's and AA- S&P, each stable; related companies shown separately. Accessed 2026-09-21.
- The Hartford Insurance Group, Inc. 2025 Form 10-K. U.S. Securities and Exchange Commission; Fiscal year ended December 31, 2025; audited consolidated holding-company and segment financial statements, including property-and-casualty and group-benefits operations. Accessed 2026-09-21.
- Claims. The Hartford; Claims reporting and policyholder claims-service workflow. Accessed 2026-09-21.
- Producer Compensation. The Hartford; Producer compensation disclosure and insurer/intermediary relationship information. Accessed 2026-09-21.
- OCI Licensing Frequently Asked Questions. Wisconsin Office of the Commissioner of Insurance; Agent FAQ, Business Entities/Firms: firm authority depends on its Designated Responsible Licensed Producer and actively held lines; State Based Systems is the lookup path. Accessed 2026-09-21.
