The Hartford 2010 Annual Report Download - page 12

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The extent of insurance regulation on business outside the United States varies significantly among the countries in which The Hartford
operates. Some countries have minimal regulatory requirements, while others regulate insurers extensively. Foreign insurers in certain
countries are faced with greater restrictions than domestic competitors domiciled in that particular jurisdiction. The Hartford’ s
international operations are comprised of insurers licensed in their respective countries.
In 2009, the Company acquired Federal Trust Corporation, a thrift holding company, and as a result is subject to regulations by the
Office of Thrift Supervision (“OTS”). Under the Dodd-Frank Act, the OTS will be dissolved. The Federal Reserve will assume
regulatory authority over our holding company, and our thrift subsidiary, Federal Trust Bank, will be regulated by the Office of
Controller of the Currency (“OCC”).
Failure to comply with federal and state laws and regulations may result in censure, fines, the issuance of cease-and-desist orders or
suspension, termination or limitation of the activities of our operations and/or our employees. We cannot predict the impact of these
actions on our businesses, results of operations or financial condition.
Intellectual Property
We rely on a combination of contractual rights and copyright, trademark, patent and trade secret laws to establish and protect our
intellectual property.
We have a worldwide trademark portfolio that we consider important in the marketing of our products and services, including, among
others, the trademarks of The Hartford name, the Stag Logo and the combination of these two marks. The duration of trademark
registrations varies from country to country and may be renewed indefinitely subject to country-specific use and registration
requirements. We regard our trademarks as extremely valuable assets in marketing our products and services and vigorously seek to
protect them against infringement.
Employees
The Hartford had approximately 26,800 employees as of December 31, 2010.
Available Information
The Hartford makes available, free of charge, on or through its Internet website (http://www.thehartford.com) The Hartford’ s annual
report on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K, and amendments to those reports filed or furnished
pursuant to Section 13(a) of the Exchange Act as soon as reasonably practicable after The Hartford electronically files such material
with, or furnishes it to, the SEC. These reports may be read and copied at the SEC's Public Reference Room at 100 F Street, NE,
Washington, DC 20549 or by calling the SEC at 1-800-SEC-0330. In addition the SEC maintains an internet website (http://sec.gov)
that contains reports, proxy and information statements, and other information regarding issuers that file electronically with the SEC.