The Hartford Financial Services Group, Inc. is a multi-national provider of insurance and financial services to both individual and business customers. With operations in the United States, the United Kingdom, and internationally, the company's Commercial Lines segment offers a wide range of insurance coverages through various channels, including workers' compensation, property, automobile, general and professional liability, package business, umbrella, fidelity and surety, marine, livestock, and reinsurance. Meanwhile, The Hartford Financial Services Group's Personal Lines segment provides automobile, homeowners, and personal umbrella coverages through both independent agents and direct-to-consumer channels. The company's Property & Casualty Other Operations segment also offers coverage for asbestos and environmental exposures. In addition, the Group Benefits segment of the company provides group life, disability, and other group coverages to members of employer groups, associations, and affinity groups through a variety of means, including direct insurance policies and reinsurance to other insurance companies. The segment also provides employer-paid and voluntary product coverages, disability underwriting, administration, and claims processing to self-funded employer plans, as well as a single-company leave management solution. Finally, The Hartford Financial Services Group's Hartford Funds segment offers a wide range of managed mutual funds across various asset classes, as well as exchange-traded products through various channels, including broker-dealer organizations, independent financial advisers, defined contribution plans, financial consultants, bank trust groups, and registered investment advisers. The segment also provides investment management, distribution, and administrative services, such as product design, implementation, and oversight. Founded in 1810 and headquartered in Hartford, Connecticut, The Hartford Financial Services Group, Inc. is a major player in the insurance and financial services industry, with operations spanning the globe.