Navigators
- Company typePublic
- Founded1810
- HeadquartersHartford, United States
- Headcount5,001–10,000
- GTM typeB2B
- OfferingServices
Navigators firmographics
Firmographics- Name
- Navigators
- Legal name
- The Hartford Insurance Group, Inc.
- Website
- https://thehartford.com
- Company type
- Public
- Founded year
- 1810
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Ownership category
- akta.pro rank
Navigators industry classification
Industry- Product category
- Specialty Insurance Underwriting
- NAICS
- Insurance Agencies and Brokerages (52421), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers (5241)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)
- akta.pro secondary industry
- Mid-Market Commercial Package (Package Policies) (FSAJAFAB)
Keywords
Where Navigators is headquartered
LocationHeadquarters
- HQ city
- Hartford
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Navigators business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Personal Auto Insurance: The primary revenue stream includes auto insurance policies for AARP members and general consumers, featuring liability coverage, collision, comprehensive, and additional protection options. Revenue is generated through monthly or annual premium payments with pricing based on vehicle type, driving history, and coverage selections.
- Personal Home Insurance: Homeowners insurance policies covering dwelling, personal property, liability, and other structures. Revenue comes from recurring premium payments with average savings of $963 when bundled with auto insurance.
- Business Insurance: Commercial insurance products including Business Owner's Policy, General Liability, Workers' Compensation, Professional Liability, and Commercial Auto. Average commercial auto insurance costs $574/month or $6,884/year for small businesses.
- Employee Benefits: Voluntary benefits, absence management, and paid family medical leave services for employers. Includes HR technology through HartConnect platform.
- Mutual Funds and Financial Products: Hartford Funds offers mutual fund products, college savings plans (Smart529), and Safe Haven Accounts through partnerships.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | AARP Auto Insurance - Pay as little as $87/month |
| Subscription | Monthly | Homeowners Insurance with bundle savings |
| Subscription | Annual | AARP membership discount |
| Subscription | Monthly | Commercial Auto Insurance |
| Subscription | Annual | Classic Car Insurance through Hagerty |
| Subscription | Annual | RV Insurance through Nutmeg Insurance Agency |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels7 records
Navigators product offering
Product offeringCore offering
Navigators offers customized wholesale and reinsurance solutions to brokers, managing general agents, and insurance carriers as part of The Hartford Insurance Group. The portfolio spans specialty placements alongside personal lines (AARP-endorsed auto and home), commercial lines (BOP, workers' compensation, general and professional liability, commercial auto), employee benefits, and specialty vehicle coverage distributed through the Nutmeg Insurance Agency. Revenue is generated through recurring insurance premiums and licensing/royalty arrangements with the AARP endorsement partnership.
Product overview
The Hartford is a property and casualty insurance company offering a comprehensive portfolio of insurance products and financial services. The core offerings include personal lines (AARP Auto Insurance, AARP Homeowners Insurance, renters, condo, and specialty vehicle coverage) and commercial lines (business insurance, workers' compensation, general/professional liability, commercial auto). The company operates through specialized agency brands including Nutmeg Insurance Agency for specialty products (RV, classic car, ATV, boat, golf cart, snowmobile) and Hartford Funds for investment products. Key partnerships with Hagerty (classic car), Tivly (commercial auto), and Via Transportation (ride-sharing) extend the product portfolio. The company leverages AARP endorsement for its primary personal lines business, serving members aged 50+ with exclusive benefits and discounts.
Differentiator
Problem solved
Functional benefit
Brands
- AARP Auto Insurance Program from The Hartford: Exclusive auto insurance program endorsed by AARP for members age 50 and older, offering benefits and discounts including accident forgiveness, disappearing deductible, and lifetime car repair assurance.
- AARP Homeowners Insurance Program from The Hartford
- Nutmeg Insurance Agency
- Hartford Funds
- TrueLane
- RecoverCare
- Producer View
Products and services
- AARP Auto Insurance from The Hartford Personal auto insurance program exclusively endorsed by AARP, providing liability, collision, comprehensive, and additional protection coverages for AARP members aged 50 and older, with exclusive benefits such as Accident Forgiveness, Disappearing Deductible, New Car Replacement, and RecoverCare.
- AARP Homeowners Insurance from The Hartford Homeowners insurance program endorsed by AARP, providing dwelling, personal property, liability, and loss-of-use coverage for AARP members with member discounts averaging $963 in annual bundle savings.
- Business Insurance Commercial insurance solutions covering small business, midsize, and large business customers with industry-specific coverage and dedicated underwriting.
- Business Owner's Policy Combined business insurance package typically bundling property, liability, and business interruption coverage for small and mid-sized businesses.
- Workers' Compensation Insurance Insurance coverage for employers protecting against employee workplace injury and illness costs, with state-specific compliance support.
- General Liability Insurance Commercial liability coverage protecting businesses against third-party claims for bodily injury and property damage.
- Professional Liability Insurance Coverage protecting businesses and professionals against claims of negligence, errors, omissions, or inadequate work.
- Commercial Auto Insurance Insurance coverage for company vehicles and employees driving for business purposes, offered through the Tivly partnership with average premiums of $574/month or $6,884/year for small businesses.
- Employee Benefits Benefits programs for employers including voluntary benefits, absence management, and Paid Family Medical Leave services, supported by the HartConnect HR technology platform.
- Classic Car Insurance Collector and classic car insurance offered through the Hagerty partnership via Nutmeg Insurance Agency, providing agreed value coverage for collector vehicles.
- RV Insurance Recreational vehicle insurance through Nutmeg Insurance Agency, underwritten by Foremost Insurance Company, covering motorhomes, travel trailers, and campers with specialized RV protection.
- Flood Insurance Separate flood insurance policy for protection against flood damage not covered by standard homeowners insurance.
- Customized Wholesale and Reinsurance Solutions Wholesale specialty insurance placements and reinsurance solutions delivered to brokers, managing general agents, and carriers seeking customized underwriting and risk transfer capacity.
Quantifiable outcome
- Save an average of $597 on auto insurance when switching to The Hartford
- +5 more outcomes
Companies that use Navigators
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Navigators technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature6 records
Navigators partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered flagship, core and minor.
- AARPflagshipExclusive partnership since 1984 providing the only national auto and home insurance program endorsed by AARP. The Hartford pays royalty fees to AARP for use of its intellectual property. AARP membership is required for program eligibility in most states.
- HagertycoreThe Hartford partners with Hagerty, a leader in classic car insurance, to provide classic and collector car insurance coverage through the Nutmeg Insurance Agency. Hagerty is trusted by owners of over 1 million classic and collector cars and offers Guaranteed Value coverage with industry-leading valuation tools.
- TivlycoreThe Hartford has partnered with Tivly to help small businesses get commercial auto insurance coverage. Tivly provides an online quoting platform for commercial auto insurance products.
- Via Transportation, Inc.minorThe Hartford partnered with Via Transportation, Inc. as it expanded from the U.S. into Canada, offering commercial auto ride-sharing coverage to protect drivers and passengers.
- Nutmeg Insurance AgencycoreNutmeg Insurance Agency, an affiliate of Hartford Fire Insurance Company, distributes specialty insurance products including RV insurance underwritten by Foremost Insurance Company, classic car insurance through Hagerty partnerships, and other specialty vehicle coverage.
- Foremost Insurance CompanycoreRV insurance is underwritten by Foremost Insurance Company through Nutmeg Insurance Agency, providing specialized motorhome and travel trailer coverage.
Scale indicators11 records
Recent moves6 records
Expansion highlights6 records
Navigators competitors and assessment
Company assessmentDirect peers
- Travelers: Major U.S. P&C insurer with comparable personal and commercial lines, agency distribution, and SMB presence; competes directly across auto, home, and commercial package policies with similar underwriting appetite.
- Markel: Specialty insurer with a notable E&S and wholesale division directly comparable to Navigators' specialty and excess & surplus lines focus.
- Chubb: Global P&C insurer with strong specialty/wholesale franchise (Chubb Bermuda, Westchester) directly comparable to Navigators' specialty and E&S wholesale book.
- RPS (Risk Placement Services): Leading wholesale brokerage specializing in E&S placement; a direct wholesale-broker peer to Navigators' wholesale brokerage function across commercial and specialty risks.
- Zurich Insurance (North America): Global specialty insurer with significant U.S. commercial and E&S wholesale franchise; comparable in serving complex commercial risks via wholesale broker channels.
- Nationwide: Mutual P&C insurer competing across personal, commercial, and specialty lines through similar agent-led distribution; comparable in SMB and middle-market positioning.
- Liberty Mutual: Large multi-line P&C carrier with a major wholesale/specialty operation (National Wholesale) that directly overlaps Navigators' wholesale and reinsurance positioning.
Broad incumbents
- Progressive: Direct-to-consumer auto insurance leader whose digital model and usage-based (Snapshot) product compete for the same auto customer wallet as The Hartford's AARP program.
- AIG: Large incumbent P&C/specialty carrier with broad portfolio including E&S and wholesale; overlaps with Navigators/Hartford in commercial and specialty segments but operates at much larger scale.
- Allstate: National personal lines leader with expanding commercial book; competes most directly with The Hartford's AARP auto/home franchise on personal lines.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Navigators social profiles
Digital presenceNavigators financial estimates
Financial estimateRevenue estimate
Valuation estimate
Navigators leadership team
Management profileNumber of profiles
Profiles1 record
Navigators subsidiaries and ownership
Company hierarchySubsidiaries15 records
Navigators funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Navigators M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Navigators
What does Navigators do?
Navigators offers customized wholesale and reinsurance solutions to brokers, managing general agents, and insurance carriers as part of The Hartford Insurance Group. The portfolio spans specialty placements alongside personal lines (AARP-endorsed auto and home), commercial lines (BOP, workers' compensation, general and professional liability, commercial auto), employee benefits, and specialty vehicle coverage distributed through the Nutmeg Insurance Agency. Revenue is generated through recurring insurance premiums and licensing/royalty arrangements with the AARP endorsement partnership.
Is Navigators a public or private company?
Navigators is a public company. It is classified as corporate owned and is currently operating.
When was Navigators founded?
Navigators was founded in 1810. It employs 5,001 to 10,000 people.
Where is Navigators based?
Navigators is headquartered in Hartford, United States, in the North America region.
How does Navigators make money?
Five revenue lines are on record. Personal Auto Insurance is the primary driver. The others are personal Home Insurance, business Insurance, employee Benefits and mutual Funds and Financial Products.
Who are Navigators's main competitors?
Direct peers on record are Travelers, Markel, Chubb, RPS (Risk Placement Services), Zurich Insurance (North America), Nationwide and Liberty Mutual. Broad incumbents are Progressive, AIG and Allstate.
Does Navigators have an API?
No public API is recorded for Navigators.
What industry is Navigators in?
Navigators's product category is Specialty Insurance Underwriting. Its primary akta.pro industry code is FSAEADAD, Wholesale Insurance Brokerage (Excess & Surplus Lines), with a secondary code of FSAJAFAB, Mid-Market Commercial Package (Package Policies). Its NAICS code is 52421 and its SIC code is 6411.