Financial Ratings

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There are two types of ratings agencies typically issue:

1) Claims-paying and/or financial strength ratings - assess an insurer's ability to meet its financial obligations to policyholders.

2) Debt ratings - assess a company's prospects for repaying its debts and assist lenders in setting interest rates and terms for a company's commercial paper, loans, bonds, etc.

The system and number rating categories may vary between agencies. The Hartford's claims-paying/financial strength ratings relative to each agency's rating scale are as follows:

Financial Strength

Financial Strength Table
A.M. Best Moody's Standard & Poor's
Hartford Fire Insurance Company    A+    A1      A+
Hartford Life and Accident Insurance Company    A+    A1      A+
Navigators Insurance Company    A+    NR      A+
Navigators Specialty Insurance Company    A+    NR      A+
Maxum Casualty Insurance Company    A+    NR      NR
Maxum Indemnity Company    A+    NR      NR
The Hartford Syndicate 1221 – Lloyd’s of London    A    NR      A+
  • Hartford Fire Insurance Company and Hartford Life and Accident Insurance Company ratings are on stable outlook at A.M. Best, Moody's, and Standard and Poor's
  • Maxum Casualty Insurance Company and Maxum Indemnity Company ratings are on stable outlook at A.M. Best
  • Navigators Insurance Company and Navigators Specialty Insurance Company are on stable outlook at A.M. Best and Standard and Poor's
  • The Hartford owns and operates Syndicate 1221 at Lloyd’s of London. The ratings shown above are Lloyd’s ratings at A.M. Best and Standard and Poor’s.

NR – Not rated

For additional information and the latest ratings, please see:

Financial strength ratings information is provided to The Hartford via third party resources. The Hartford, its affiliates and its third party licensors do not guarantee the accuracy, adequacy, completeness or availability of ratings information.