text: Intermediary Service Award and the ﬁrst-ever Life 
  
  Insurance Service Award. The triple win reﬂected the 
  
  overall excellence of The Hartford’s service, a natural 
  
  complement to the company’s quality products. DAL- 
  
  BAR also recognized The Hartford’s mutual funds as the 
  
  industry leader in several categories, including invest- 
  
  ment management. 
  
  In managing its product portfolio, The Hartford fol- 
  
  lows its own advice: think ahead and diversify. The com- 
  
  pany’s earnings base derives from a variety of 
  
  businesses. Diversiﬁcation is a key element in managing 
  
  risk and ensuring proﬁtability—a time-tested philosophy 
  
  that held especially true in 2001, as the company’s other 
  
  businesses evolved to anticipate changing market 
  
  demands and to offer protection from new risks. 
  
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              [html]<thead><tr><td>The property - casualty Business Insurance group, for example, extended its coverage to inslude common</td><td>risks associated with e - commerce. Hartford Financial</td></tr></thead><tbody><tr><td>Products ’ ( HFP ) coverage continued to meet emerging</td><td>risks in an extremely volatile business environment.</td></tr><tr></tr><tr></tr><tr></tr></tbody>
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