The Hartford 2014 Annual Report Download - page 13

In addition, other subsidiaries of the Company sold and distributed the Company’s variable insurance products, Underlying Funds and retail mutual funds as
broker-dealers and are subject to regulation promulgated and enforced by the Financial Industry Regulatory Authority (“FINRA”), the SEC and/or in, some
instances, state securities administrators. Other entities operate as investment advisers registered with the SEC under the Investment Advisers Act of 1940 and
are registered as investment advisers under certain state laws, as applicable. Because federal and state laws and regulations are primarily intended to protect
investors in securities markets, they generally grant regulators broad rulemaking and enforcement authority. Some of these regulations include, among other
things, regulations impacting sales methods, trading practices, suitability of investments, use and safekeeping of customers’ funds, corporate governance,
capital, record keeping, and reporting requirements.
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 addition, as described under “Legislative Developments,” we are subject to a number of Dodd-Frank Wall Street Reform and Consumer Protection Act of
2010 (the “Dodd-Frank Act”) provisions. 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.
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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 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 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. In addition, we own a number of patents and patent applications relating to on-line quoting, insurance
related processing, insurance telematics, proprietary interface platforms, and other matters, some of which may be important to our business operations.
Patents are of varying duration depending on filing date, and will typically expire at the end of their natural term.
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The Hartford has approximately 17,500 employees as of December 31, 2014.
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The Company’s Internet address is www.thehartford.com. Our annual report on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K, and
amendments to those reports are available, without charge, on the investor relations section of our website, http://ir.thehartford.com, as soon as reasonably
practicable after they are filed electronically with the SEC. Reports filed with the SEC may be viewed at www.sec.gov or obtained at the SEC’s Public
Reference Room at 100 F Street, N.E., Washington D.C. Information regarding the operation of the Public Reference Room may be obtained by calling the
SEC at 1-800-SEC-0330. References in this report to our website address are provided only as a convenience and do not constitute, and should not be viewed
as, an incorporation by reference of the information contained on, or available through, the website. Therefore, such information should not be considered
part of this report.
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