The Hartford Insurance Group, Inc. (NYSE:HIG) Barclays 23rd Annual Global Financial Services Conference September 9, 2025 8:15 AM EDT
Company Participants
Christopher Swift – Chairman & CEO
Beth Bombara – Chief Financial Officer
Conference Call Participants
Taylor Scott – Barclays Bank PLC, Research Division
Presentation
Taylor Scott
Senior Equity Analyst
All right. We’ll go ahead and get this kicked off as people are still coming in. First, I’d like to say welcome, and thank you for being here. We have Chris Swift, CEO, The Hartford Group, and Beth Costello, CFO. So I’m very excited to jump into it.
Question-and-Answer Session
Taylor Scott
Barclays Bank PLC, Research Division
I think from first question standpoint, I’m sensing a lot of anxiety from investors just around the P&C pricing cycle broadly. And so I wanted to see if you could discuss what you’re seeing in Hartford’s markets? And any views you might be able to offer up around softening and how will it play out, how impactful is it for your business versus some of the things you all are doing to compound book value in the meantime regardless.
Christopher Swift
Chairman & CEO
Yes. Well, I’ll just start off by saying, thank you for inviting Beth and I to be with you. We always enjoy being with you, Alex. And the environment, I just — would still say is generally conducive. I mean, there’s always sort of sub cycles in different product lines, particularly, and I think that’s — you might be referring to property, but if you look back and step back for us, particularly with our small to middle market enterprise orientation, we tend to operate from a sweet spot side at that middle market to lower end of the market. That doesn’t mean we don’t have national accounts and larger property writings. We’re pretty well diversified, but our real bread and butter is that middle to small end of the
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