Business profiles:    Business Insurance Personal Insurance Lines Specialty Commercial Insurance 28 Overview Overview Overview The business insurance team sells to small- and middle-sized business  enterprises and is the tenth largest commercial insurance carrier in the United States. The Hartford’s business insurance segment is a market leader in small business insurance with 650,000 customers and growth opportuni- ties targeted toward companies with revenues of $5 million to $15 million.  Business insurance is sold through approximately 5,000 independent agen- cies and brokers. The personal insurance team sells home and automobile insurance through independent agents and directly through AARP. In the agent business,  we recently introduced new tools to expand our ability to write and effi- ciently service a broader range of customers. The Hartford has partnered with AARP for the past 20 years and currently provides insurance coverage for approximately 11% of AARP households. The AARP endorsement extends until 2010.  The specialty commercial insurance team sells customized insurance products  and risk management services through independent agents, brokers and  wholesalers. Through The Hartford’s Specialty Risk Services, the specialty commercial insurance team also provides third-party administrator and risk  management services.  Change In millions from 2003 Net Written Premium $1,772 +10% GAAP Combined Ratio 103.1%  Change In millions from 2003 Net Written Premium $3,557 +9% GAAP Combined Ratio 96.0%  Change In millions from 2003 Net Written Premium $4,575 +16% GAAP Combined Ratio 91.6%