HIG (The Hartford Insurance Group) Moat Score: 6/10 (As of Jun. 30, 2026)


HIG The Hartford Insurance Group Inc HIG
89 GF Score
Price $133.49
GF Value $134.62
Valuation Fairly Valued
! 5 Warning Signs
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What is The Hartford Insurance Group Moat Score?

The Hartford Insurance Group HIG -0.30% 89 Moat Score is 6 as of Jun. 30, 2026. GuruFocus rates HIG with a GF Score™ of 89/100 and a GF Value™ of $134.62 (Fairly Valued). The stock has 5 warning signs investors should review. Among 601 Insurance companies, The Hartford Insurance Group ranks better than 95.01% on this metric.

The Hartford Insurance Group has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

The Hartford Insurance Group has Narrow Moat: HIG has a strong narrow moat with a well-established brand and significant market share in the insurance industry. It benefits from regulatory barriers and customer switching costs, but lacks the pricing power and innovation to be considered a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes The Hartford Insurance Group might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

The Hartford Insurance Group  (NYSE:HIG) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

The Hartford Insurance Group Moat Score Related Terms

HIG vs ACGL, AIG, PLGO: Moat Score Comparison

For the Insurance - Diversified subindustry, The Hartford Insurance Group's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

The Hartford Insurance Group Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, The Hartford Insurance Group's Moat Score distribution charts can be found below:

* The bar in red indicates where The Hartford Insurance Group's Moat Score falls into.


HIG
89GF Score
The Hartford Insurance Group Inc HIG
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
The Hartford Insurance Group (HIG) has a Moat Score of 6 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, The Hartford Insurance Group ranks #30 out of 601 companies in the Insurance industry, placing it in the top 5%.
Is The Hartford Insurance Group's Moat Score too high?
The Hartford Insurance Group's current Moat Score is 6. Based on the distribution chart, The Hartford Insurance Group ranks #30 out of 601 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, The Hartford Insurance Group has a GF Score™ of 89/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does The Hartford Insurance Group's Moat Score compare to ACGL and AIG?
According to the Insurance industry distribution chart, The Hartford Insurance Group ranks #30 out of 601 companies for Moat Score. This places The Hartford Insurance Group in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. The Hartford Insurance Group's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Hartford Insurance Group stock overvalued right now?
Based on GuruFocus' analysis, The Hartford Insurance Group (HIG) is currently considered Fairly Valued. The stock's GF Value™ is $134.62, compared to a current price of $133.49 — trading 0.8% below its estimated fair value. The current Moat Score is 6. The Hartford Insurance Group's overall GF Score™ is 89/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For The Hartford Insurance Group (HIG), the current Moat Score is 6 as of Jun. 30, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is The Hartford Insurance Group (HIG) Overvalued in 2026?

Based on GuruFocus' analysis, The Hartford Insurance Group stock appears to be undervalued. The current stock price of $133.49 is trading 0.8% below its estimated GF Value™ of $134.62. GuruFocus considers The Hartford Insurance Group to be Fairly Valued.

Key valuation signals for HIG:

  • Moat Score: 6
  • GF Value™: $134.62 vs. price of $133.49 (0.8% below fair value)
  • GF Score™: 89/100 with 5 warning signs

No single metric tells the full story. See the HIG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

The Hartford Insurance Group Business Description

Address One Hartford Plaza, Hartford, CT, USA, 06155
The Hartford Insurance Group Inc. provides property and casualty insurance, group benefits, and mutual funds. The company is widely recognized for its service excellence, sustainability practices, trust, and integrity. The Company currently conducts business principally in five reportable segments, including Business Insurance, Personal Insurance, Property & Casualty Other Operations, Employee Benefits, and Hartford Funds, as well as a Corporate category. The company generates a majority of its revenue from Business Insurance.
89GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$133.49
Price
$134.62
GF Value