The Hartford Insurance Group, Inc. (HIG) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Thank you for standing by. My name is Tina and I will be your conference operator today. At this time, I would like to welcome everyone to the fourth quarter 2025, the Hartford Insurance Group financial results webcast. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. To ask a question, simply press star one on your telephone keypad. To withdraw your question, press draw one again. It is now my pleasure to turn the call over to Kate Jorins, Senior Vice President, Treasurer, and Head of Relations. You may begin. Good morning, and thank you for joining us today for the Hartford's fourth quarter and full year 2025 earnings call and webcast. Yesterday, we reported results and posted all earnings-related materials on our website. Before we begin, please note that our presentation includes forward-looking statements, which are not guarantees of future performance and may differ materially from actual results. We do not assume any obligation to update these statements. Investors should consider the risks and uncertainties detailed in our recent SEC filings, news release, and financial supplement, which are available on the investor relations section of the Hartford.com. Our commentary includes non-GAAP financial measures, with explanations and gap reconciliations available in our recent SEC filings, news release, and financial supplement. Now, I'd like to introduce our speakers, Chris Swift, Chairman and Chief Executive Officer, and Beth Costello, Chief Financial Officer. After their remarks, we will take your questions, assisted by several members of our management team. And now, I'll turn the call over to Chris. Good morning, and thank you for joining us today. Now Hartford report...