The Hartford Insurance Group, Inc. · NYSE:HIG
The Hartford Insurance — Q2 2026 Earnings Presentation
14 slides from The Hartford Insurance's earnings presentation, Jul 24, 2026
Slide 1: Second Quarter 2026 Financial Results
Second Quarter 2026 Financial Results The Hartford Insurance Group, Inc. July 23, 2026
Slide 2: Safe Harbor Statement
Safe Harbor Statement Certain statements made in this presentation should be considered forward -looking statements as defined in the Private Securities Litigation Reform Act of 1995. These include statements about The Hartford’s future results of operations. We caution investors that these forward-
Slide 3: Diversified Insurer With Core Underwriting Strengths And Market Leadership
The Hartford Diversified Insurer With Core Underwriting Strengths And Market Leadership ► Market leader in desirable segments with high return characteristics ► Delivering consistently strong results across diversified businesses with significant contribution from investment portfolio ► Leveraging c
Slide 4: Second Quarter 2026 – Disciplined Execution
Second Quarter 2026 – Disciplined Execution The Hartford delivered an 18.7%trailing 12-month core earnings ROE 1,3 Book Value Per Diluted Share Growth: (ex AOCI) 1,2 ► P&C net written premium growth of 3%, including 5% in Business Insurance ► Employee Benefits fully insured ongoing premium growth of
Slide 5: Core Earnings of $945 Million in 2Q26
Core Earnings 1 of $945 million in 2Q26, EPS 1,2of $3.42, Trailing 12-Month ROE 1,3of 18.7% Core Earnings (loss) By Segment ($ in millions, except per share amounts) 2Q26 2Q25 Change 4 Business Insurance $695 $697 —% Personal Insurance 128 94 36% P&C Other Operations 17 14 21% Property & Casualty To
Slide 6: 2Q26 Key Business Highlights vs. 2Q25
2Q26 Key Business Highlights vs. 2Q25 Property & Casualty Strong contributions from Business Insurance & continued margin improvement in Personal Insurance Written premiums Combined ratio (%) Underlying combined ratio1 (%) $4.9B 3% 91.2 92.1 2.6 pts 88.7 0.7 pts Business Insurance $4.0B 5% 91.4 4.4
Slide 7: Business Insurance Continues to Deliver Profitable Growth
Business Insurance Continues to deliver profitable growth Written premiums of $4.0 billion in Excluding workers’ compensation, Combined ratio of 91.4 in 2Q26 Underlying combined ratio 1of 89.3 2Q26 were up 5% from 2Q25 with renewal written price increases of increased from 87.0 in 2Q25, increased fr
Slide 8: Personal Insurance Continued Improvement
Personal Insurance Continued improvement in the underlying combined ratio 1 Written premiums of $915 million Renewal written price increase in Combined ratio of 90.1 in 2Q26 Underlying combined ratio 1of 86.3 decreased from $980 million in 2Q25 automobile of 5.5% in 2Q26 improved from 94.1 in 2Q25,
Slide 9: Employee Benefits Strong Core Earnings Margin
Employee Benefits Strong core earnings margin 1 of 7.4% Core earnings margin 1of 7.4% Loss ratio of 72.5 in 2Q26 increased Group life loss ratio of 74.2 was 2Q26 fully insured ongoing premiums reflects continued excellent group from 69.1 in 2Q25 driven by a higher relatively consistent with 2Q25 at
Slide 10: Corporate Core Loss of $34 Million
CORPORATE Corporate Core loss1 of $39 million compared to a core loss of $36 million in 4Q23 Core loss 1 of $34 million compared to a core loss of $36 million in 2Q25 Components of Corporate Core Losses Corporate Holding Company Resources ($ in billions) ($ in millions) 2Q2 5 3Q2 5 4 Q2 5 1Q2 6 2Q2
Slide 11: The Investment Portfolio High Quality and Diversified
The Investment Portfolio High quality and diversified Net investment income of $800 LP annualized yield of 7.6% High quality portfolio, ~95% of the Our investment portfolio is million increased from $658 million in primarily driven by sales of fixed maturities portfolio is durable and is constructed
Slide 12: Core Earnings ROE of 18.7% in 2Q26
Core Earnings ROE 1of 18.7%in 2Q26 Outstanding Core Earnings ROE Consolidated Core Earnings ROE P&C Core Earnings ROE Employee Benefits Core Earnings ROE 1 12 Denotes financial measure not calculated in GAAP
Slide 13: New $4.2B Share Repurchase Authorization
Announced New $4.2B Share Repurchase Authorization Effective Through 2028 In 2Q26, the company returned $615 Book value per diluted share of $70.28 Book value per diluted share (ex. AOCI) 1 Including common stockholder million to stockholders including $450 increased from $66.31 at December 31, of $
Slide 14: Discussion And Reconciliation Of Non-GAAP Financial Measures
Discussion And Reconciliation Of Non -GAAP Financial Measures The Hartford uses non-GAAP financial measures in this presentation to assist investors in analyzing The Hartford's operating per formance for the periods presented herein. Because The Hartford's calculation of these measures may differ fr
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