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Sankey diagram of The Hartford Insurance Group, Inc.. A complete text table follows the diagram.
Its commercial insurer priced policies above claims and operating costs, then earned another $505M by investing the capital held against those obligations.
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The Sankey maps the reported Business Insurance underwriting account, grouping marine, professional liability, bond and assumed reinsurance as specialty lines. Investment income is disclosed as the second earnings engine but is not drawn as if it were premium revenue.
Labels and narrative explain the filing. A category marked “arithmetic bridge” or “residual” is calculated from reported totals, rather than a separately reported line.
| Category | Stage | Value | Notes |
|---|---|---|---|
| Workers' compensation | 1 | $921M | Largest commercial premium line |
| Package business | 1 | $706M | Bundled small-commercial coverage |
| General liability | 1 | $641M | Liability protection for businesses |
| Commercial property | 1 | $372M | Physical asset coverage |
| Commercial automobile | 1 | $344M | Business vehicle risk |
| Specialty and reinsurance | 1 | $600M | Marine, professional, bond and assumed reinsurance |
| Business Insurance underwriting | 2 | $3.6B | Premium and fee income |
| Claims, acquisition and operating costs | 3 | $3.4B | 94.8 combined ratio |
| Underwriting gain | 3 | $185M | Profit before investment income |
| From | To | Value |
|---|---|---|
| Workers' compensation | Business Insurance underwriting | $921M |
| Package business | Business Insurance underwriting | $706M |
| General liability | Business Insurance underwriting | $641M |
| Commercial property | Business Insurance underwriting | $372M |
| Commercial automobile | Business Insurance underwriting | $344M |
| Specialty and reinsurance | Business Insurance underwriting | $600M |
| Business Insurance underwriting | Claims, acquisition and operating costs | $3.4B |
| Business Insurance underwriting | Underwriting gain | $185M |