MARKET CONDUCT EXAMINATION REPORT - Trinidad Navarro

MARKET CONDUCT EXAMINATION REPORT ON

HARTFORD UNDERWRITERS INSURANCE COMPANY NAIC # 30104

One Hartford Plaza Hartford, Connecticut 06155-0001

EXAMINATION NUMBER 09.701

March 31, 2009

Delaware Market Conduct Examination Report Hartford Underwriters Insurance Company

TABLE OF CONTENTS SALUTATION .....................................................................................................................1 EXECUTIVE SUMMARY ..................................................................................................2 LIST OF RECOMMENDATIONS ......................................................................................4 SCOPE OF EXAMINATION...............................................................................................4

HISTORY AND PROFILE ..............................................................................................5 METHODOLOGY ...............................................................................................................6

B. COMPLAINT HANDLING ........................................................................................7 Standard B 3......................................................................................................................7 Standard B 4 .....................................................................................................................8 F. UNDERWRITING AND RATING............................................................................10 Standard F 01 ..................................................................................................................10 CONCLUSION ................................................................................................................... 11

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SALUTATION

October 19, 2010

Honorable Karen Weldin Stewart CIR-ML Insurance Commissioner State of Delaware 841 Silver Lake Boulevard Dover, Delaware 19904

Dear Commissioner Stewart:

In compliance with the instructions contained in Certificate of Examination Authority Number 09-705, and pursuant to statutory provisions including 18 Del.C. ?318-322, a market conduct examination has been conducted of the affairs and practices of:

Hartford Underwriters Insurance Company

The examination was performed as of March 31, 2009. Hartford Underwriters Insurance Company, hereinafter referred to as the "Company," or "HUIC" is incorporated under the laws of the State of Connecticut. This examination consisted of two phases, an on-site phase and an off-site phase. The on-site phase of the examination was conducted at the following Company location:

8 Farm Springs Road, Farmington, Connecticut 06032

The off-site examination phase was performed at the offices of the Delaware Department of Insurance, hereinafter referred to as the "Department" or "DDOI," or other appropriate locations.

The report of examination herein is respectfully submitted.

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