Careers at The Hartford


The Hartford Financial Services Group’s mission is to help people and businesses prepare for the unexpected, protect what is uniquely important to them, and prevail when the unforeseen happens.

Business segments

The Hartford is an investment and insurance company.  The firm operates six reportable business segments:

  • Commercial Lines – Provides workers’ compensation, property, automobile, liability, umbrella, marine, and livestock insurance products to businesses, primarily throughout the United States.
  • Personal Lines – Provides automobile, homeowners, and personal umbrella coverages to individuals across the United States, including a program designed exclusively for members of AARP.
  • Property & Casualty Operations – Provides various property and casualty insurance products.
  • Group Benefits – Provides group life, accident and disability coverage, and group retiree health benefits to members of employer groups, associations, and affinity groups.
  • Mutual Funds – Provides investment management, administration, distribution, and related services to investors through investment products in domestic and international markets, and is separated into two distinct asset categories:  Mutual Fund assets under management and Talcott assets under management.
  • Talcott Resolution – Consists of the runoff of the U.S. annuity, institutional and private-placement life insurance businesses, and the retained yen denominated fixed payout annuity liabilities.


In 1810 a group of merchants in Hartford, Connecticut gathered in a local inn and, using their collective capital of $15,000, established the Hartford Fire Insurance Company. The firm’s sole offering was fire insurance. Its name was a reference to two things: “hart“ is the name for a male deer in full maturity, while “ford“ is a type of river crossing over which deer may pass.

The Hartford instituted its own fire department to protect customers. In 1835, after a blaze destroyed the financial district of New York, many insurance firms walked away from consumers’ claims due to the scale of the damage. However, The Hartford gathered its directors and they agreed to pay the claims, even drawing from their personal fortunes. This act boosted its reputation.

Over the next few decades, the company’s prominence led to high-profile customers, such as President Abraham Lincoln and General Robert E. Lee, who used it to insure their homes. It also covered claims resulting from significant catastrophes; for example, after an earthquake destroyed nearly 500 city blocks in San Francisco in 1906, it paid more than $11 million in damage claims.

Through the 20th century, The Hartford diversified its services in recognition of growing needs. It formed the Accident and Indemnity Company for auto insurance in 1913, and later entered the life insurance field in 1959. In 1997 its name changed to the Hartford Financial Services Group. In 2012 it revealed it would focus on property and casualty insurance, group benefits, and mutual funds.

Benefits at The Hartford

Business model of The Hartford

Customer Segments

The Hartford has a segmented market business model, with customer groups that have slightly different needs. The company targets its offerings at individuals and businesses.

Value Proposition

The Hartford offers four primary value propositions: accessibility, innovation, performance, and brand/status.

The company creates accessibility by providing a wide variety of options. It offers a broad range of products, including auto and homeowners' insurance, business insurance (including property, auto, workers' compensation,  and general and professional liability), employee benefits (including life & accident, disability, and retiree health), and mutual funds.

The company has embraced innovation throughout its history. It was the first insurance provider to offer a dedicated small business service center. Following that, it became the only insurance company to provide auto and home insurance to members of AARP. Later, it was the first insurance firm to write a policy for an institution of higher learning, Yale University.

The company demonstrates strong performance through tangible results. It claims to have the best Total Shareholder Return (TSR) in the industry.

The company has established a powerful brand due to its success. In its early history it insured several prominent people and places, including famed baseball player Babe Ruth, President Dwight D. Eisenhower, the Hoover Dam, the St. Lawrence Seaway, and the Golden Gate Bridge. It has also paid claims associated with some of the U.S.‘s largest disasters, including Hurricane Katrina, Storm Sandy, and the September 11th attacks.

It serves over one million small businesses, and has achieved several rankings, including #4 commercial multi-peril carrier based on direct written premiums, #2 workers’ compensation insurer based on direct written premiums, a #7 ranking in the P&C commercial insurance category, a #11 ranking in the total personal lines category, and a #3 ranking in the fully insured disability in force category. It maintains high financial strength rankings from Moody’s, Standard & Poor’s, and A.M. Best. Lastly, it has won many honors, including the following:

  • Recognition as one of the World’s Most Ethical Companies by the Ethisphere Institute (2008-2012 and 2014-2016)
  • The Climate Leadership Award from the U.S. Environmental Protection Agency (2014-2015)
  • Ranking on the Carbon Performance Leadership Index by the Carbon Disclosure Project (2008-2015)
  • Recognition as one of Barron’s Best Fund Families of 2015 for Hartford Mutual Funds


The Hartford’s main channel is its network of independent agents, brokers, and wholesalers. The company promotes its offering through its website, social media pages, TV/online/magazine advertising, direct mail, and sponsorship of sporting events such as the U.S. Paralympics.

Customer Relationships

The Hartford’s customer relationship is primarily of a self-service, automated nature. Customers utilize its products and services while having limited interaction with employees. The company’s website enables customers to maintain an online account through which they can view their policies and claims statuses and pay their bills.

The site also has a feature that enables users to find an agent, and a “Catastrophe Information Center“ that provides information on how to prepare for various types of natural disasters (earthquakes, floods, hurricanes, tornadoes, etc.). That said, there is a personal assistance component in the form of phone and e-mail support.

Key Activities

The Hartford’s business model entails designing, developing, and delivering its investment and insurance products and services for customers.

Key Partners

The Hartford’s key partners are the distribution partners that help it sell its products and services.

Key Resources

The Hartford’s main resources are its human resources, namely the insurance industry experts that design and develop its products and services and the customer service professionals that provide support.

Cost Structure

The Hartford has a cost-driven structure, aiming to minimize expenses through significant automation. Its biggest cost driver is likely cost of insurance benefits provided. Other major drivers are in the areas of sales/marketing and administration, both fixed costs.

Revenue Streams

The Hartford has two revenue streams: revenues generated from fee income and revenues generated from net investment income.

Our team

Christopher J. Swift,
Chairman and CEO

info: Christopher J. Swift earned a Bachelor’s degree in Accounting at Marquette University. He previously served as Executive Vice President and Chief Financial Officer of The Hartford and held leadership roles at American International Group and KPMG LLP.

Doug Elliot,

info: Doug Elliot earned a Bachelor’s degree in Accounting at the University of Connecticut. He previously served as President of Hartford Steam Boiler, as a senior advisor at Aspen Insurance Holdings, and as the Chief Operating Officer of Travelers Insurance.

Beth Bombara,
EVP and Chief Financial Officer

info: Beth Bombara earned a Bachelor’s degree in Business Administration at Bryant University. She previously served as Senior Vice President and Controller of The Hartford, as a senior manager at Deloitte & Touche, and as a partner at Arthur Andersen LLP.

Kathy Bromage,
Chief Marketing and Communication Officer

info: Kathy Bromage earned a BBA in Accounting at the University of Massachusetts. She previously served as Chief Marketing and Strategy Officer of The Hartford’s Small Commercial and Personal Lines businesses and as SVP of eBusiness.