The Hartford Insurance Group sells property and casualty insurance to businesses and individuals, along with group benefits like disability and life insurance offered through employers, operating as one of the older and more established insurance brands in the United States. Its commercial insurance business serves small and mid-sized businesses with coverage for property, liability and workers' compensation, a segment where The Hartford has built particular scale and expertise. Insurance profitability depends on collecting more in premiums than is eventually paid out in claims and expenses, a relationship tracked through the combined ratio that shapes how insurers are valued. The Hartford's group benefits business, providing disability and life insurance through workplace benefit programs, gives it a second major business line with different risk characteristics than its core property and casualty underwriting.