How do I set a price alert for HIG?

To set a HIG price alert on Stock Alarm Pro, navigate to the HIG quote page, select "Set Alert," choose your trigger type (price target, % move, RSI level, MACD, or volume breakout), and set your delivery channel. Stock Alarm Pro supports instant push notifications, SMS, and automated phone call alerts.

Can I get phone call alerts for HIG?

Yes. Stock Alarm Pro provides real-time automated phone call alerts for HIG. Phone call alerts ensure you are immediately awakened or interrupted during critical volatility events, overnight earnings moves, or strict stop-loss levels when silent push notifications might be overlooked.

What types of alerts can I set for Hartford (The)?

Stock Alarm Pro supports over 125 trigger types for HIG: price target alerts (above/below target), intraday percentage moves, RSI overbought/oversold levels, 50-day and 200-day moving average crossovers (golden cross / death cross), relative volume (RVOL) spikes, confirmed earnings date releases, and SEC Form-4 insider transaction filings.

How quickly will I be notified about HIG price changes?

HIG alerts are evaluated continuously in real-time against live market telemetry. Notifications are dispatched within sub-second latency via push notifications, SMS, or phone calls as soon as your trigger condition is met across regular, pre-market, and after-hours trading sessions.

Is Stock Alarm Pro free to use for HIG alerts?

Yes, Stock Alarm Pro offers a free tier that includes 3 active price alerts for HIG and other stocks. Full Pro membership is $20/month or $168/year with a 7-day free trial, unlocking unlimited alerts, phone call delivery, SMS, all 125+ technical indicators, institutional screeners, and real-time market telemetry across web, iOS, and Android.

HIG Company Intelligence - Business Model, Drivers & Risks

The Hartford Insurance Group, Inc.(HIG)

$129.11—Stale · unknown old

WatchlistChart

The Hartford Insurance Group, Inc.(HIG)

NYSE • Last print unknown agoAbout this dataData status

$129.11—Stale · unknown old

WatchlistChart Studio

HIG(HIG)

HIG

The Hartford is a diversified insurance and financial services company with $28.3B in revenue, operating primarily in commercial lines insurance (middle-market and small commercial), group benefits (disability, life, accident insurance), and personal lines (auto, home through AARP partnership). The company has exited legacy variable annuity runoff, focusing on core P&C and group benefits with strong underwriting discipline and 21.4% ROE.

Financial ServicesProperty & Casualty Insurancemoderate - Insurance has relatively fixed expense ratios (15-20% of premiums) with variable loss costs. Operating leverage improves when premium growth exceeds expense growth and when investment yields rise. Scale advantages exist in technology, claims processing, and distribution, but catastrophe losses create earnings volatility. Group Benefits has higher operating leverage due to stable benefit ratios and administrative expense leverage.

Business Overview

01Commercial Lines (middle-market and small commercial P&C insurance) - approximately 50% of premiums

02Group Benefits (employer-sponsored disability, life, accident, critical illness insurance) - approximately 30% of premiums

03Personal Lines (auto and homeowners insurance primarily through AARP affinity partnership) - approximately 20% of premiums

The Hartford generates revenue through insurance premiums and investment income on float. Profitability depends on combined ratio (loss ratio + expense ratio) staying below 100%, indicating underwriting profit. The company targets mid-90s combined ratios across segments. Investment portfolio of ~$50B+ generates steady income from fixed-income securities. Group Benefits operates with 75-80% benefit ratios. Pricing power comes from specialized middle-market expertise, AARP's 38 million member distribution for personal lines, and disciplined underwriting that allows rate increases in hard markets.

What Moves the Stock

Combined ratio performance across Commercial and Personal Lines (target mid-90s)

Commercial Lines pricing momentum and retention rates (renewal rate changes of 5-10% materially impact earnings)

Catastrophe losses relative to budget (typically $500-700M annual budget)

Group Benefits sales growth and benefit ratios (target 75-80% range)

Investment portfolio yield expansion as rates rise (duration ~4 years, $50B+ portfolio)

Share buyback pace and capital return (14.6% FCF yield supports aggressive repurchases)

Watch on Earnings

Combined ratio by segment (Commercial, Personal Lines)Net written premium growth and renewal rate changesUnderlying combined ratio (excluding catastrophes and prior year development)Group Benefits sales and in-force growthNet investment income and portfolio yieldBook value per share growth and ROE progression

Risk Factors

Climate change increasing frequency and severity of catastrophe losses (wildfires, hurricanes, severe convective storms) pressuring Personal Lines profitability

Social inflation driving higher jury awards and litigation costs in casualty lines, particularly commercial auto and general liability

Regulatory pressure on rate increases in Personal Lines, particularly in states with prior approval requirements limiting pricing flexibility

Intense competition from larger carriers (Travelers, Chubb, AIG) and specialty insurers in middle-market commercial space compressing margins

Insurtech and direct-to-consumer models disrupting traditional agency distribution in Personal Lines

AARP partnership dependency for Personal Lines (contract renewal risk, though long-standing relationship)

Investment portfolio duration risk - rising rates create unrealized losses in AFS securities (though economic benefit long-term)

Reserve adequacy risk in long-tail casualty lines where social inflation could require adverse development

StructuralCompetitiveBalance Sheet

Macro Sensitivity

Economic Cycle

moderate - Commercial Lines premiums correlate with GDP growth as business formation, payrolls, and insured exposures expand in economic upturns. Workers' compensation premiums directly tied to employment levels and wage inflation. Group Benefits enrollment grows with employment. However, pricing power in hard markets can offset economic weakness. Personal Lines relatively stable due to non-discretionary nature of auto/home insurance.

Interest Rates

Highly positive sensitivity to rising rates. Investment portfolio of $50B+ with ~4-year duration means higher rates increase net investment income with 12-18 month lag as securities roll over. Each 100bp rate increase adds $200-250M annual investment income at maturity. Higher discount rates also reduce reserve liabilities. Conversely, falling rates compress investment yields and increase present value of claim reserves.

Credit

Moderate exposure through investment portfolio concentrated in investment-grade corporate bonds and municipals. Credit spread widening reduces portfolio value (though held-to-maturity mitigates realized losses). Commercial Lines exposed to insured business failures in recessions, though diversified across industries. Reinsurance counterparty risk exists but limited to highly-rated reinsurers.

Live Conditions

Dow Jones FuturesS&P 500 FuturesRussell 2000 Futures5-Year Treasury10-Year Treasury2-Year Treasury30-Year Treasury30-Day Fed Funds

Profile

value and dividend - The Hartford appeals to value investors seeking 21.4% ROE, 2.1x P/B (reasonable for quality insurer), and 14.6% FCF yield supporting dividends and buybacks. Dividend yield ~2% with growth potential. Attracts investors wanting exposure to rising interest rates benefiting investment income. Less appealing to pure growth investors given mature industry and mid-single-digit organic growth.

moderate - Insurance stocks exhibit moderate volatility with beta typically 0.9-1.1. Quarterly earnings can be volatile due to catastrophe losses and reserve development, but diversified business model and reinsurance reduce single-event risk. Less volatile than pure-play catastrophe insurers but more volatile than life insurers.

Key Metrics to Watch

Combined ratio by segment and underlying combined ratio (ex-CAT)

Commercial Lines renewal rate changes and retention rates

Catastrophe losses vs. annual budget ($500-700M typical)

Net investment income and portfolio yield progression

Group Benefits sales growth and benefit ratio trends

Book value per share and tangible book value growth

Share repurchase activity and capital deployment

Prior year reserve development (favorable/adverse)

insurance inflation dividend buyback free cash flow