Discontinued — last reported Q4 '25
Reserve for insurance claims
The Hartford Financial Services Group Reserve for insurance claims increased by 1.0% to $46.72B in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 3.2%, from $45.27B to $46.72B. Over 5 years (FY 2020 to FY 2025), Reserve for insurance claims shows an upward trend with a 4.1% CAGR.
Analysis
How to read this metric
An increase may reflect higher expected claims volume or more conservative actuarial assumptions, while a decrease could signal improved claims experience or reserve releases.
Detailed definition
This represents the estimated liability for insurance claims that have been reported but not yet paid, as well as claims...
Peer comparison
Standard across financial institutions with insurance subsidiaries, often benchmarked against industry-standard loss ratios.
ins_reserve_claimsHistorical Data
| Q2 '21 | 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 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $38.70B | $39.38B | $39.66B | $39.76B | $40.03B | $40.60B | $41.24B | $41.58B | $41.22B | $41.69B | $42.32B | $42.77B | $43.32B | $43.88B | $44.61B | $45.27B | $45.48B | $45.82B | $46.27B | $46.72B |
| QoQ Change | — | +1.7% | +0.7% | +0.3% | +0.7% | +1.4% | +1.6% | +0.8% | -0.9% | +1.1% | +1.5% | +1.1% | +1.3% | +1.3% | +1.7% | +1.5% | +0.5% | +0.7% | +1.0% | +1.0% |
| YoY Change | — | — | — | — | +3.4% | +3.1% | +4.0% | +4.6% | +3.0% | +2.7% | +2.6% | +2.9% | +5.1% | +5.3% | +5.4% | +5.8% | +5.0% | +4.4% | +3.7% | +3.2% |
Product Breakdown
| Segment | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 |
|---|---|---|---|---|---|---|---|---|
| Workers' Compensation | — | — | — | $14.38B | — | — | — | $14.87B |
| General Liability | $787.00M | $787.00M | $787.00M | $7.17B | $787.00M | $787.00M | $787.00M | $7.62B |
| Automobiles | — | — | — | $3.41B | — | — | — | $3.67B |
| Package Business | — | — | — | $2.62B | — | — | — | $3.01B |
| Professional liability | — | — | — | $2.19B | — | — | — | $2.26B |
| Property Insurance | — | — | — | $1.32B | — | — | — | $1.31B |
| Assumed Reinsurance | — | — | — | $788.00M | — | — | — | $954.00M |
| Marine | — | — | — | $587.00M | — | — | — | $598.00M |
| Short-Duration Insurance, Other | — | — | — | $517.00M | — | — | — | $548.00M |
| Other operations | — | — | — | $507.00M | — | — | — | $459.00M |
| Surety Product Line | — | — | — | $457.00M | — | — | — | $433.00M |
| Personal automobile physical damage | — | — | — | $78.00M | — | — | — | $65.00M |
| Commercial automobile physical damage | — | — | — | $31.00M | — | — | — | $28.00M |
| Total | $42.77B | $43.32B | $43.88B | $44.61B | $45.27B | $45.48B | $45.82B | $46.27B |
Business Segments
| Segment | Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 |
|---|---|---|---|---|---|
| P&C Business Insurance | — | — | — | $31.38B | $33.18B |
| Employee Benefits | — | — | — | $8.21B | $8.11B |
| Property & Casualty Other Operations | $2.70B | $2.77B | $2.80B | $2.78B | $2.71B |
| P&C Personal Insurance | — | — | — | $2.24B | $2.28B |
| Group Benefits | $8.21B | $8.16B | $8.27B | — | — |
| Hartford Funds | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| P&C Commercial Lines | $26.91B | $28.45B | $29.18B | — | — |
| P&C Personal Lines | $1.84B | $1.86B | $2.07B | — | — |
| Total | $39.66B | $41.24B | $42.32B | $44.61B | $46.27B |
Reserve for insurance claims at Other Companies
Frequently Asked Questions
- What is The Hartford Financial Services Group's reserve for insurance claims?
- The Hartford Financial Services Group (HIG) reported reserve for insurance claims of $46.72B in Q1 2026.
- How has The Hartford Financial Services Group's reserve for insurance claims changed year-over-year?
- The Hartford Financial Services Group's reserve for insurance claims increased by 3.2% year-over-year, from $45.27B to $46.72B.
- What is the long-term trend for The Hartford Financial Services Group's reserve for insurance claims?
- Over 5 years (2020 to 2025), The Hartford Financial Services Group's reserve for insurance claims has grown at a 4.1% compound annual growth rate (CAGR), from $37.86B to $46.27B.
- What does reserve for insurance claims mean?
- The estimated amount of money set aside to pay for future insurance claims.