The Hartford 2007 Annual Report Download - page 98
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98
Monitoring Reinsurer Security
To manage the potential credit risk resulting from the use of reinsurance, management evaluates the credit standing, financial
performance, management and operational quality of each potential reinsurer. Through that process, the Company maintains a list of
reinsurers approved for participation on all treaty and facultative reinsurance placements. The Company’ s approval designations reflect
the differing credit exposure associated with various classes of business. Participation authorizations are categorized along property,
short-tail casualty and long-tail casualty lines. In addition to defining participation eligibility, the Company regularly monitors each
active reinsurer’ s credit risk exposure in the aggregate and limits that exposure based upon independent credit rating levels.
Unless otherwise specified, the following discussion speaks to changes for the year ended December 31, 2007 compared to the year
ended December 31, 2006 and the year ended December 31, 2006 compared to the year ended December 31, 2005.