HIGStock and Options Trade Setup — The Hartford Financial Services Group, Inc.
NYSE · Property & Casualty Insurance · Moderate-liquidity options · Large cap · ~$32B
The Hartford is one of the cleanest P&C insurance stories in the S&P 500 — a disciplined underwriter with a structurally improving combined ratio driven by years of portfolio repositioning away from volatile personal lines toward more profitable commercial specialty. The hard insurance market of 2022–2025 enabled rate increases of 10–20% across most commercial lines, and those earned premiums are now flowing through to underwriting profit at above-average loss ratios. Group benefits (life, disability, accident) provide a stable fee-like revenue stream that is largely uncorrelated with P&C loss trends. HIG repurchases stock aggressively (5–7% share count reduction per year), and the dividend has grown consistently for a decade. The stock screens attractively on price-to-book relative to its ROE trajectory, and the current hard market tailwind still has years to run in specialty commercial lines.
Score History & Signal Changelog
Preview dataThis page is updated every 72 hours with the latest Scan results. Each data point below represents one complete algorithmic snapshot in time.
Signal Breakdown
Today's Trade Card
Options Profile
Risks & Fundamentals
Every setup carries risk. Here's what could move HIG against you, plus the key stats that frame any position.
- 1.Catastrophe loss exposure — a severe Atlantic hurricane season or California wildfire can produce meaningful reserve charges
- 2.Commercial lines pricing cycle could soften if new capacity enters the market and competition intensifies
- 3.Long-tail casualty reserve development remains a risk in the commercial general liability book from prior underwriting years
HIG Options Setup — Frequently Asked Questions
Is HIG a good options trade today?+
The Hartford Financial Services Group, Inc. (HIG) currently has an Amora Edge Score of 74/100, ranking it top 27% of today's scan. This composite score is built from four sub-signals — EMA cross, RSI zone, relative strength vs SPY, and volume surge — each scored 0–25. The current read is a bullish setup, so the algorithm is positioned bullish (calls / call debit spreads). A score above 65 typically warrants a trade card with stop and target; below that, the setup is on the watchlist but not actionable.
What is HIG's win rate on Stoptions.ai setups?+
HIG's historical win rate on closed Stoptions setups is 72%. Win rate is calculated as the percentage of past HIG trade cards that hit their target price before stopping out. Win rate is most meaningful once a ticker has 10+ closed trades — individual ticker rates can be noisy at smaller samples. Our portfolio-wide win rate across all closed trades is the more stable benchmark.
What strike and expiry does Stoptions.ai suggest for HIG?+
The strike and expiry are shown on the trade card at the top of this page when the setup is active. Stoptions.ai algorithmically selects strikes targeting delta 0.35–0.45 and expirations 30–45 days out, adjusted for current implied volatility rank (IVR). When IVR is high, the system favors call debit spreads to limit vega risk; when IVR is low, single-leg long calls are preferred. The card includes the contract symbol, mid-price entry, stop, and target.
How often is the HIG setup updated?+
Every 72 hours we refresh HIG's Amora Edge Score and trade card. The underlying scan runs daily at 9:00 AM ET (pre-market) and 9:30 AM ET (post-open), so any new signal change is reflected within one trading session. If HIG drops below the entry threshold or the regime shifts (e.g., SPY enters a confirmed bear), the trade card is replaced with a "no setup" notice automatically.
What does the Amora Edge Score measure for HIG?+
The Amora Edge Score is a 0–100 composite of four technical sub-signals applied to HIG: (1) EMA cross — is the 20-day above the 50-day with both trending up? (2) RSI zone — is momentum in the 50–70 sweet spot, or extended/weak? (3) Relative strength vs SPY — is HIG outperforming the market over 20 sessions? (4) Volume surge — is participation above the 20-day average? Each sub-signal contributes 0–25 points. HIG currently scores 74.
How does HIG compare to other Property & Casualty Insurance setups?+
HIG's sector rank and percentile against other Property & Casualty Insurance tickers we track is shown on the /tickers index — sortable by Amora Edge Score, win rate, or sector. For direct comparison, see the "Related Property & Casualty Insurance Options Setups" panel above. When multiple tickers in the same sector are scoring 80+, the algorithm flags the cluster as a sector rotation signal and may upweight position sizing.
Educational content only — not personalized investment advice. Options carry substantial risk.
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