The Hartford’s AI Advantage – Can Technology Deliver a 75% Quote-to-Buy Ratio Across Segments?

The Hartford Financial Services Group Inc. recently reported its second-quarter 2025 financial results, demonstrating substantial growth across its various business segments. The Hartford posted a core earnings figure of nearly $1 billion, signaling the effectiveness of its ongoing strategic initiatives. Key aspects of the results highlight positive developments, but certain areas need ongoing attention. The Business Insurance segment saw an 8% increase in top-line growth, maintaining an underlying combined ratio of 88. Growth in this sector is driven by advancements in underwriting, pricing tools, and data science. Notably, the company’s small business unit achieved record-breaking net new business premium, fueled by technological advancements in its quoting platform that allow for 75% of quotes to be processed within minutes. However, the large property and wholesale market experienced some pricing pressure, reflecting a need for continued vigilance in underwriting strategies.