text: streamlined product-development process maximizes 
  
  speed-to-market so agents have the right products to 
  
  sell at the right time. That’s one reason why we esti- 
  
  mate The Hartford’s small-business insurance growth 
  
  is ﬁve to six times the industry average. 
  
  Developing products for a changing business 
  
  environment is also a proven skill of HFP. The unit com- 
  
  pleted its ﬁrst full year as part of The Hartford after our 
  
  2000 acquisition of Reliance Group Holdings, Inc.’s 
  
  ﬁnancial products and excess and surplus lines. 
  
  It was quite a year after quite a decade. Demand 
  
  for HFP’s mainstay directors and officers liability 