--- title: "How Reliable Is The Hartford?" description: "The Hartford reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score." canonical: "https://spot.insure/insurance-providers/the-hartford/reliability" page-type: "reliability-article" updated-at: "2026-09-22" verified-at: "2026-09-22" entities: ["Spot"] --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, and compare_providers for sourced comparisons. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/the-hartford/reliability) # How Reliable Is The Hartford? The Hartford reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score. ## Assessment - **Role:** Insurance 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. This 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. - **Carrier & MGA Spot Score:** **7.3/10** - **Role:** Insurance 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. - **Assessed:** 2026-09-21 - **Review due:** 2026-10-21 - **Factor basis:** Partial score; **45%** of this role’s weighting included. Included: Identity and Authority, Financial Resilience, Disclosure Clarity. Excluded: Claims and Servicing: The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.. - **Methodology:** [How we calculate the Spot Score](/spot-rating) - **Provider profile:** [The Hartford](/insurance-providers/the-hartford) ## Entities and roles | Entity | Role | Sources | | --- | --- | --- | | Hartford Fire Insurance Company | Named US property-and-casualty insurer and principal carrier evidence in the reviewed sources; NAIC 19682. | [Legal Notice](https://www.thehartford.com/legal-notice), [Hartford Fire Insurance Company Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile), [Financial Ratings](https://ir.thehartford.com/financials/financial-ratings/default.aspx) | | Hartford Underwriters Insurance Company | Separate Hartford writing company listed in the legal notice; not conflated with Hartford Fire Insurance Company. | [Legal Notice](https://www.thehartford.com/legal-notice) | | The Hartford Insurance Group, Inc. | Holding-company parent context and SEC registrant; parent financials are not treated as statutory evidence for each subsidiary. | [The Hartford Insurance Group, Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/874766/000087476626000012/hig-20251231.htm) | | Hartford Life and Accident Insurance Company | Separate life/benefits insurer with separate rating disclosure; excluded from the assessed property-and-casualty issuer scope. | [Legal Notice](https://www.thehartford.com/legal-notice), [Financial Ratings](https://ir.thehartford.com/financials/financial-ratings/default.aspx) | ## Research summary The Hartford identifies Hartford Fire Insurance Company as an A+ AM Best, Aa3 Moody's and AA- S&P-rated carrier and California's regulator profile identifies it as NAIC 19682 with Unlimited-Normal status. Current public disclosures establish carrier-level rating and authorization evidence, while the policy and writing-company table remain necessary to identify the exact issuer for a product. [Legal Notice](https://www.thehartford.com/legal-notice), [Hartford Fire Insurance Company Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile), [Financial Ratings](https://ir.thehartford.com/financials/financial-ratings/default.aspx), [The Hartford Insurance Group, Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/874766/000087476626000012/hig-20251231.htm) ### 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. [Legal Notice](https://www.thehartford.com/legal-notice) ### 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. [Hartford Fire Insurance Company Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile) 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. [Legal Notice](https://www.thehartford.com/legal-notice) ### 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. [Financial Ratings](https://ir.thehartford.com/financials/financial-ratings/default.aspx) 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. [The Hartford Insurance Group, Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/874766/000087476626000012/hig-20251231.htm) ### 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. [Legal Notice](https://www.thehartford.com/legal-notice), [Hartford Fire Insurance Company Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile) ### Claims Service The Hartford publishes a claims reporting and servicing route and producer compensation disclosures. The applicable policy, named writing company and claims instructions control the obligations for a particular claim. [Claims](https://www.thehartford.com/claims), [Producer Compensation](https://www.thehartford.com/producer-compensation) ### 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. [Hartford Fire Insurance Company Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile), [Legal Notice](https://www.thehartford.com/legal-notice), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx) ## Licenses and authority | Entity | Jurisdiction | Identifier | Number | License type | Authority | Status | Verified | Sources | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | Hartford Fire Insurance Company | US | NAIC company code | 19682 | Property-and-casualty insurer identifier | NAIC identifier; state authorization is jurisdiction and line specific | Active | 2026-09-21 | [Hartford Fire Insurance Company Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile) | | Hartford Fire Insurance Company | California | State license | 0085-1 | Company profile identifier; Unlimited-Normal | California Department of Insurance profile identifies authorization and property/casualty lines | Active | 2026-09-21 | [Hartford Fire Insurance Company Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile) | ## Jurisdiction searches | Jurisdiction | Result | Notes | Sources | | --- | --- | --- | --- | | CA | Verified | California Department of Insurance company profile identifies Hartford Fire Insurance Company, NAIC 19682, California ID 0085-1 and Unlimited-Normal status. | [Hartford Fire Insurance Company Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile) | | WI | Not researched | Wisconsin OCI Agent FAQ identifies the relevant authority rule, but current Wisconsin issuer authority was not independently established in the reviewed evidence. | [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx) | | US | Not researched | The legal notice provides writing-company/product context; a complete current state-by-state certificate-of-authority reconciliation was not completed. | [Legal Notice](https://www.thehartford.com/legal-notice) | ## Rating dimensions ### Carrier & MGA Spot Score Included weighting: **45%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors: - **Claims and Servicing:** The evidence does not sufficiently establish responsibility, access and escalation across the assessed services. [Legal Notice](https://www.thehartford.com/legal-notice), [Hartford Fire Insurance Company Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile), [Claims](https://www.thehartford.com/claims), [Producer Compensation](https://www.thehartford.com/producer-compensation) - **Carrier-Network Strength:** The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. [Legal Notice](https://www.thehartford.com/legal-notice), [Hartford Fire Insurance Company Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile) - **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [Hartford Fire Insurance Company Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile), [Legal Notice](https://www.thehartford.com/legal-notice), [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx) | Dimension | Score (0–4) | Weight | Contribution (/10) | Sources | | --- | ---: | ---: | ---: | --- | | Identity and Authority | 2.57 | 15% | 2.14 | [Legal Notice](https://www.thehartford.com/legal-notice), [Hartford Fire Insurance Company Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile) | | Financial Resilience | 2.99 | 20% | 3.32 | [Financial Ratings](https://ir.thehartford.com/financials/financial-ratings/default.aspx), [The Hartford Insurance Group, Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/874766/000087476626000012/hig-20251231.htm), [Legal Notice](https://www.thehartford.com/legal-notice), [Hartford Fire Insurance Company Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile) | | Disclosure Clarity | 3.32 | 10% | 1.84 | [Legal Notice](https://www.thehartford.com/legal-notice), [Hartford Fire Insurance Company Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile), [Claims](https://www.thehartford.com/claims), [Producer Compensation](https://www.thehartford.com/producer-compensation) | ## 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. ## Related terms - [What Is an Insurance Carrier?](/insurance-glossary/insurance-carrier) - [What Is an AM Best Rating?](/insurance-glossary/am-best-rating) - [What Is Policyholder Surplus?](/insurance-glossary/policyholder-surplus) - [What Is Reinsurance?](/insurance-glossary/reinsurance) ## Sources - [Legal Notice](https://www.thehartford.com/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](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile) — 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](https://ir.thehartford.com/financials/financial-ratings/default.aspx) — 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](https://www.sec.gov/Archives/edgar/data/874766/000087476626000012/hig-20251231.htm) — 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](https://www.thehartford.com/claims) — The Hartford; Claims reporting and policyholder claims-service workflow; accessed 2026-09-21. - [Producer Compensation](https://www.thehartford.com/producer-compensation) — The Hartford; Producer compensation disclosure and insurer/intermediary relationship information; accessed 2026-09-21. - [OCI Licensing Frequently Asked Questions](https://oci.wi.gov/Pages/Agents/AgentFAQ.aspx) — 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/the-hartford/reliability.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)