What does automobiles — 4th year mean?

The cumulative loss development or claims experience for automobile insurance policies in their fourth year of coverage. It serves as a benchmark for the tail-end risk associated with older automobile insurance claims.

The Hartford Financial Services Group HIG Automobiles — 4th Year

Other product segments

General Liability

16.7%+0.6%

Professional liability

11.9%+0.8%

Package Business

9.3%0.0%

Workers' Compensation

8.3%+2.5%

Marine

7.9%+5.3%

Assumed Reinsurance

7.3%+7.4%

Surety Product Line

6.7%-22.1%

Property Insurance

5%+28.2%

Similar metrics at other companies

HMNAutomobile Liability — Year Four

6.7%-0.1pp

UFCSCommercial automobile — Year 4

11.8%-0.6pp

TRVAutomobile — Short-duration Insurance Contracts, Historical Claims Duration, Year Four

19.2%-1.1pp

KMPRCommercial Automobile Insurance—Liability — Year 4

79.2%-3.0pp

CNACommercial Auto — Year 4

15.2%+0.6pp

KMPRCommercial Automobile Insurance—Physical Damage — Year 4

100%0.0pp

Other financials

Income statement

See full

Revenue$7.2B+6.1%

Net income$856.0M+35.9%

EPS (diluted)$3.04+41.4%

Balance sheet

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Cash & equivalents$166.0M+20.3%

Total debt$4.4B+0.1%

Total equity$18.9B+12.1%

Total assets$86.3B+4.9%

Cash flow

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Operating cash flow$1.0B+6.1%

CapEx$31.0M-18.4%

Free cash flow$1.0B+7.1%

Valuation

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Market cap$36.7B+2.1%

Enterprise value$40.91B+1.9%

P/E9×-2.0×

P/S1.3×0.0×

Profitability

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Net margin14.1%+3.0pp

FCF margin20.2%-0.8pp

Returns & leverage

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Return on equity22.7%+4.2pp

Debt / equity0.2×0.0×

Where this comes from

Reported directly by The Hartford Financial Services Group in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

The official record: The Hartford Financial Services Group’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is The Hartford Financial Services Group's automobiles — 4th year?: The Hartford Financial Services Group (HIG) reported automobiles — 4th year of 25.3% in Q4 2025.
How has The Hartford Financial Services Group's automobiles — 4th year changed year-over-year?: The Hartford Financial Services Group's automobiles — 4th year increased by 1.2% year-over-year, from 25% to 25.3%.
What does automobiles — 4th year mean?: The cumulative loss development or claims experience for automobile insurance policies in their fourth year of coverage. It serves as a benchmark for the tail-end risk associated with older automobile insurance claims.