Munger Mode rating: 4 out of 5 — Buy. Our own rating from the research report below, on business quality first: moat durability and management, with price separating the top three.
Written in the voice of Warren Buffett and Charlie Munger. Based on the Form 10-Q for the quarter ended June 30, 2026 (filed July 23, 2026), the Q2 2026 earnings release, and current market data. Charlie and I have spent sixty years buying insurance companies, so we can describe this one without breaking a sweat. The Hartford — now formally renamed The Hartford Insurance Group, Inc., which tells you exactly what management wants you to see — is a 215-year-old property-casualty and group benefits insurer. It collects premiums today, pays claims later, and invests the float in between. There is nothing exotic here, and that is a compliment. The company runs four reportable segments: Business Insurance is the engine: roughly 58% of premium and two-thirds of segment earnings.
Recent filings analysed: 10-Q (2026-07-23), 8-K (2026-07-23), 8-K (2026-07-15), 8-K (2026-06-03).
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