Business Segments · Unpaid losses and loss adjustment expenses
Employee Benefits — Unpaid losses and loss adjustment expenses
The Hartford Financial Services Group Employee Benefits — Unpaid losses and loss adjustment expenses decreased by 1.1% to $8.11B in Q4 2025 compared to the prior quarter.
Analysis
StatementSegment
CategoryRisk
SignalContext dependent
VolatilityModerate
First reportedQ4 2016
Last reportedQ1 2026
Rolls up toReserve for insurance claims
How to read this metric
Significant increases may signal rising claim severity or frequency, while consistent releases of reserves can indicate conservative and effective initial reserving practices.
Detailed definition
This represents the estimated liability for claims that have been reported but not yet paid, as well as claims that have...
Peer comparison
A core metric for all P&C and group insurance companies; essential for assessing underwriting risk and reserve adequacy.
Metric ID:
hig_segment_employee_benefits_unpaid_losses_and_loss_adjustment_expensesHistorical Data
3 periods
| Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|
| Value | $8.27B | $8.21B | $8.11B |
| QoQ Change | — | -0.8% | -1.1% |
| YoY Change | — | -0.8% | -1.1% |
Range$8.11B – $8.27B
Avg YoY Growth-1.0%
Median YoY Growth-1.0%
Current Streak2+ quarters decline
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Frequently Asked Questions
- What is The Hartford Financial Services Group's employee benefits — unpaid losses and loss adjustment expenses?
- The Hartford Financial Services Group (HIG) reported employee benefits — unpaid losses and loss adjustment expenses of $8.11B in Q4 2025.
- What does employee benefits — unpaid losses and loss adjustment expenses mean?
- The estimated total amount the segment expects to pay for claims that have already occurred but are not yet settled.