Ratings agencies examine a wide range of important factors:
Quantitative financial performance — profit margins, financial leverage, liquidity, cash flows, capital and surplus ratios.
Qualitative judgments — underwriting cycle, competitive environment, regulatory and political factors, soundness of reinsurance, reserves, quality of invested assets, management experience and accomplishments.
Agencies that rate The Hartford and its entities:
A.M.Best is the oldest provider of insurance ratings and financial data exclusively focused on the insurance industry.
Moody's is a leading global credit provider of credit ratings, research and risk analysis with over 100 years of experience.
S&P Global Rating, formerly known as Standard & Poor's Ratings Services, has been a leading provider of credit ratings, research, and thought leadership for more than 150 years.