The Hartford Insurance Group (HIG) UBS Financial Services Conference 2026 summary

Strategic priorities and growth outlook

• Focus on tech-enabled and AI-driven capabilities to enhance customer experience and augment human talent through 2026.

• Targeting double-digit growth in property underwriting, especially in small and middle markets, with $3.3B in property underwritings.

• Expansion of the Prevail agency platform to 30 states by early 2027, aiming for deeper agent and broker relationships.

• Defending and growing a top-three position in employee benefits by expanding absence management and supplemental products.

• New offensive strategy targets employers with fewer than 500 employees, adding dental, vision, and supplemental health capabilities.

Technology and AI investment

• Over a decade of platform modernization and data organization enables faster AI adoption, with a three-year roadmap for further development.

• AI initiatives focus on personal productivity tools and end-to-end workflow reinvention, especially in underwriting, operations, and claims.

• Over 6,000 employees trained on AI productivity tools; Google is a preferred partner for workflow-specific AI tools.

• AI is used to augment human talent, not replace it, aiming for growth, customer retention, and productivity gains.

• Early evidence of AI benefits in small and middle business units, with 75% of small business new business processed digitally.

Financial performance and market positioning

• Commercial Lines written premium growth has outpaced peers by over 100 basis points in the last four years.

• Sustained profitability in small business, with sub-90 underlying combined ratios for many years.

• Group benefits business consistently outperforms margin guidance due to strong underwriting and recoveries.

• Preferred use of excess capital is dividend increases and buybacks, supporting shareholder value.