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6 paragraphs in Risk Factors of the 10-K filed Feb 20, 2026 with nothing like them in the 10-K filed Feb 21, 2025. Quoted exactly. Paragraphs that were only edited are under 10-K change.
Compared with the Risk Factors in the latest 10-K of the other 75 Financials companies: a paragraph with at least half its words the same at another company is called similar, and the companies are listed under it. A paragraph most of them have is marked boilerplate. No line means no other company has one like it. This counts text; it does not say how serious a risk is.
Terrorism is an example of a significant man-made potential catastrophe. Private sector catastrophe reinsurance is limited and generally unavailable for terrorism losses caused by attacks
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We conduct the vast majority of our business through licensed insurance company subsidiaries. In the United States, statutory accounting standards and statutory capital and reserve
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based capital, accounting and financial reporting, enterprise risk management and reinsurance which could, among other things, affect statutory measures of capital adequacy, including risk-based capital ratios.
Lawmakers and regulators at the federal, state and international levels are enacting laws and promulgating regulations and guidance related to climate change, with conflicting policies from jurisdiction to jurisdiction possible, which may impose additional costs on the Company, or expose us to new or additional risks. The Company could be subject to these enactments both as a public company generally and specifically as an insurer.
As a public company, we continue to monitor the development of various climate disclosure regimes. Such developments have stalled at the federal level, with the SEC having withdrawn its defense of its 2024 comprehensive climate rules, but have continued to expand in certain state and international jurisdictions. We may be subject to these reporting regimes based on the particulars of our corporate footprint. Other regulators may impose additional reporting requirements affecting our operations, such as disclosure related to greenhouse gas emissions (GHGe) and other climate-related information, thereby increasing our operating expenses and litigation risk.
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Any proposed or future legislation or NAIC initiatives, if adopted, may be more restrictive on our ability to conduct business than current regulatory requirements or may result in higher costs or
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16 paragraphs in the 10-Q filed Oct 26, 2026 with nothing like them in the 10-Q filed Jul 23, 2026 (at least half the words must differ; new numbers alone do not count). Quoted exactly, grouped by the item heading above them. This is text that changed, not a judgement of how serious it is.
On October 13, 2026, Hartford Life and Accident Insurance Company ("HLA"), a wholly owned subsidiary of the Company, completed the acquisition of Equitable Holdings, Inc.'s employee benefits business. The acquired business is not reflected in the accompanying September 30, 2026 Condensed Consolidated Financial Statements and will be reflected in the Company’s Consolidated Financial Statements beginning on the acquisition date in the fourth quarter of 2026. The transaction is not expected to have a material impact on the Company's financial position, results of operations or cash flows.
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On September 23, 2026, the Company entered into a Reinsurance Commutation and Release Agreement (the “Commutation Agreement”) with National Indemnity Company ("NICO"), a subsidiary of Berkshire Hathaway Inc., resulting in the commutation and termination of the asbestos and environmental adverse development cover ("A&E ADC")
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agreement. Upon execution of the Commutation Agreement, the Company reduced the related reinsurance recoverable from $ 1.437 billion to the $ 1.120 billion commutation amount and recognized a $ 317 reduction in the deferred gain on retroactive reinsurance. On September 25, 2026, the Company received the $ 1.120 billion cash payment from NICO. For more information on the A&E ADC and Commutation Agreement, refer to Note 9 - Reserve for Unpaid Losses and Loss Adjustment Expenses.
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[2] Represents net unpaid losses and loss adjustment expenses reserves reassumed, resulting from the Commutation Agreement associated with the A&E ADC. For additional information regarding the Commutation Agreement, refer to Note 8 - Reinsurance.
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The Company completed a review of cash flow assumptions in the third quarter 2026 and 2025, resulting in immaterial changes to the reserve for future policy benefits. For paid-up life, the net effect of updating cash flow assumptions was offset by a corresponding impact to the deferred profit liability.
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Net Periodic Cost (Benefit) Pension Benefits Other Postretirement Benefits Three Months Ended September 30, Nine Months Ended September 30, Three Months Ended September 30, Nine Months Ended September 30, 2026 2025 2026 2025 2026 2025 2026 2025 Service cost $ — $ — $ 1 $ 1 $ $ — $ — $ — Interest cost 40 44 120 131 1 1 4 4 Expected return on plan assets (58) (61) (174) (182) — — — — Amortization of prior service credit — — — — (2) (2) (5) (5) Amortization of actuarial loss 12 8 34 25 1 2 3 4 Net periodic cost (benefit) $ (6) $ (9) $ (19) $ (25) $ $ 1 $ 2 $ 3
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On October 13, 2026, Hartford Life and Accident Insurance Company ("HLA"), a wholly owned subsidiary of the Company, completed the acquisition of Equitable Holdings, Inc.'s employee benefits business. The acquired business is not reflected in the accompanying September 30, 2026 Condensed Consolidated Financial Statements and will be reflected in the Company’s Consolidated Financial Statements beginning on the acquisition date in the fourth quarter of 2026. The transaction is not expected to have a material impact on the Company's financial position, results of operations or cash flows.
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Net realized losses increased primarily due to losses on interest rate derivatives in the 2026 period.
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• Higher P&C commissions, driven by the impact of increased business volume; and
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2025 was a benefit of $64 related to amortization of the Navigators ADC deferred gain, which has been fully amortized as of September 30, 2025; and
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Underwriting gain in the 2026 three and nine month periods compared to underwriting loss in the 2025 periods,
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Net income available to common stockholders decreased for the three month period, primarily driven by a higher net tax benefit in the 2025 period, which included a release of a provision for an uncertain tax position and tax related interest accruals, and lower net realized gains, partially offset by an increase in other revenues related to valuation appreciation of an investment.
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recoverable are also subject to credit risk based on the counterparty’s inability to pay.
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On August 31, 2026, Beth A. Costello, Executive Vice President and Chief Financial Officer, adopted a Rule 10b5-1 trading arrangement that is intended to satisfy the affirmative defense of Rule 10b5-1(c) for (i) the potential exercise of vested stock options and associated sale of up to 63,194 shares of the Company's common stock between October 28, 2026 and April 15, 2027 (or the date on which all shares have been sold), subject to certain conditions and (ii) the potential gift to a charitable donor-advised fund of 10,000 shares of the Company's common stock between October 28, 2026 and April 15, 2027 (or the date on which all shares have been gifted).
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On August 5, 2026, Christopher J. Swift, Chairman and Chief Executive Officer, adopted a Rule 10b5-1 trading arrangement that is intended to satisfy the affirmative defense of Rule 10b5-1(c) for the potential exercise of vested stock options and associated sale of up to 284,819 shares of the Company's common stock between November 9, 2026 and December 8, 2027 (or the date on which all shares have been sold), subject to certain conditions.
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** Filed with the Securities and Exchange Commission as an exhibit to this report.
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Item 1A of the 10-Q filed Oct 26, 2026 against Item 1A of the 10-K filed Feb 20, 2026.
A 10-Q repeats only the risks that changed, so a 10-K paragraph that is missing from it is not counted as removed.
Added is a paragraph with nothing like it in the 10-K, Reworded a sentence that is in both with several words changed,
Quiet changes a sentence in both where one to four words changed and one is a hedge or a modal
(cut words struck through, new words highlighted and underlined).
Text on the page, not a score; each links to the filing at sec.gov.
What the 10-Q itself says about its risk factors:
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Investing in The Hartford involves risk. In deciding whether to invest in The Hartford, you should carefully consider the risk factors disclosed in Item 1A of Part I of the Company's Annual Report on Form 10-K for the year ended December 31, 2025, (collectively the "Company's Risk Factors" or individually, the "Company's Risk Factor"), which is incorporated herein by
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