Arch Capital Group Third party claims-made business — Year Four increased by 10.1% to 12.0% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 10.1%, from 10.9% to 12.0%. This increase may warrant attention — for this metric, lower values are generally preferred.
Stability in year-four data indicates that the ultimate loss outcome is becoming predictable and reserves are likely adequate.
This metric tracks the loss development or claims activity observed during the fourth year following the inception of th...
Standard actuarial development triangle component; peers use this to confirm the maturity and finality of older underwriting years.
acgl_segment_third_party_claims_made_business_year_four| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 12.3% | 11.4% | 11.1% | 10.9% | 12% |
| QoQ Change | — | -7.3% | -2.6% | -1.8% | +10.1% |
| YoY Change | — | -7.3% | -2.6% | -1.8% | +10.1% |