General Liability — Unpaid losses and loss adjustment expenses
The Hartford Financial Services Group General Liability — Unpaid losses and loss adjustment expenses increased by 868.7% to $7.62B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 6.4%, from $7.17B to $7.62B. Over 3 years (FY 2022 to FY 2025), General Liability — Unpaid losses and loss adjustment expenses shows an upward trend with a 4.1% CAGR.
Analysis
How to read this metric
An increase may reflect higher claim frequency, severity, or a growing book of business, while a decrease may indicate improved claims management or shrinking exposure.
Detailed definition
This represents the total estimated liability for claims that have been reported but not yet paid, plus estimates for cl...
Peer comparison
Standard liability metric for all insurance companies, often referred to as loss reserves.
hig_segment_general_liability_unpaid_losses_and_loss_adjustment_expensesHistorical Data
| Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $787.00M | $5.83B | $787.00M | $787.00M | $787.00M | $6.48B | $787.00M | $787.00M | $787.00M | $6.33B | $787.00M | $787.00M | $787.00M | $7.17B | $787.00M | $787.00M | $787.00M | $7.62B |
| QoQ Change | — | +640.8% | -86.5% | +0.0% | +0.0% | +723.9% | -87.9% | +0.0% | +0.0% | +704.1% | -87.6% | +0.0% | +0.0% | +810.4% | -89.0% | +0.0% | +0.0% | +868.7% |
| YoY Change | — | — | — | — | +0.0% | +11.2% | +0.0% | +0.0% | +0.0% | -2.4% | +0.0% | +0.0% | +0.0% | +13.2% | +0.0% | +0.0% | +0.0% | +6.4% |
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Frequently Asked Questions
- What is The Hartford Financial Services Group's general liability — unpaid losses and loss adjustment expenses?
- The Hartford Financial Services Group (HIG) reported general liability — unpaid losses and loss adjustment expenses of $7.62B in Q4 2025.
- How has The Hartford Financial Services Group's general liability — unpaid losses and loss adjustment expenses changed year-over-year?
- The Hartford Financial Services Group's general liability — unpaid losses and loss adjustment expenses increased by 6.4% year-over-year, from $7.17B to $7.62B.
- What is the long-term trend for The Hartford Financial Services Group's general liability — unpaid losses and loss adjustment expenses?
- Over 3 years (2022 to 2025), The Hartford Financial Services Group's general liability — unpaid losses and loss adjustment expenses has grown at a 4.1% compound annual growth rate (CAGR), from $8.85B to $9.99B.
- What does general liability — unpaid losses and loss adjustment expenses mean?
- The total estimated amount the company expects to pay for future claims and settlement costs.