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The Hartford Financial Services Group, Inc. delivers a comprehensive array of insurance and financial products to private individuals and corporate clients, operating domestically within the United States, the United Kingdom, and various international markets. Its Commercial Lines division provides a broad spectrum of business insurance policies, encompassing workers' compensation, property, automotive, general liability, excess liability, bonds, marine, livestock, and reinsurance. This segment also crafts tailored risk management solutions and specialized coverages like professional liability, surety, and unique casualty policies. These offerings are distributed through a network of regional offices, branches, service centers, and various independent retail and wholesale agents, as well as reinsurance brokers. For personal clients, the Personal Lines segment delivers automobile, homeowners', and personal umbrella insurance, available both directly to consumers and via independent agents. Coverage for specific risks, such as asbestos and environmental liabilities, falls under its Property & Casualty Other Operations. The Group Benefits division offers collective protection plans including group life, disability, and other benefits to members of employer organizations, associations, and affinity groups. Its services include direct insurance policies, reinsurance provisions for other insurers, both employer-funded and voluntary products, and comprehensive disability services (underwriting, administration, and claims processing) for self-funded employers, alongside a unified leave management system. Distribution channels for these group products include brokers, consultants, third-party administrators, trade associations, and private exchanges. Hartford Funds provides a variety of investment products catering to retail and retirement accounts, including exchange-traded products. These are made accessible through broker-dealer networks, independent financial advisors, defined contribution plans, financial consultants, bank trust groups, and registered investment advisors. Additionally, this segment delivers investment management and administrative support, covering aspects like product design, implementation, and ongoing oversight. Founded in 1810, the company maintains its headquarters in Hartford, Connecticut.