There are two types of ratings which agencies typically issue:

1) 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.

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.

For additional information, please see:

Financial Strength

company 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+
NR – Not rated


company A.M. Best Moody's Standard & Poor's
The Hartford Financial Services Group, Inc.
Senior debt a- Baa1 BBB+
Junior subordinated debentures bbb Baa2 BBB-
Preferred stock bbb Baa3 BBB-
*All of the aforementioned ratings are on Stable outlook.