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The Hartford Financial Services Group HIG Automobiles — Unpaid Unallocated Loss Adjustment Expenses, Net of Reinsurance

Other product segments

Property and Casualty Insurance Subsidiaries
131,600,000,000%+7.7%
Workers' Compensation
45,000,000,000%+7.4%
General Liability
22,000,000,000%+8.9%
Other operations
18,200,000,000%+6.4%
Package Business
14,700,000,000%+13.1%
Property Insurance
8,000,000,000%+9.6%
Professional liability
4,900,000,000%+4.3%
Surety Product Line
3,400,000,000%+3.0%
Marine
1,500,000,000%0.0%
Assumed Reinsurance
900,000,000%+28.6%
Short-Duration Insurance, Other
800,000,000%+14.3%
Personal automobile physical damage
500,000,000%0.0%
Commercial automobile physical damage
100,000,000%0.0%

Similar metrics at other companies

The Travelers Companies logo
TRVAutomobile — Liability for Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance, Before Disclosed Accident Years (Audited)
51,700,000,000%+1,100,000,000pp
Horace Mann Educators logo
HMNAutomobile Liability — Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance
$1.74B+803%
The Travelers Companies logo
TRVAutomobile — Liability for Unpaid Claims and Claims Adjustment Expense, Net
$9.73B+7.0%
The Travelers Companies logo
TRVAutomobile — Incurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance (Audited for 2025)
3,450,500,000,000%+2,678,200,000,000pp
Hagerty logo
HGTYAuto — Liability for Unpaid Claims and Claims Adjustment Expense, Net
$162.88M+0.1%
Horace Mann Educators logo
HMNAutomobile Liability — Cumulative Paid Claims and Allocated Claim Adjustment Expense, Net of Reinsurance
$1.53B+698%

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/E-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:ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseAccumulatedUnallocatedClaimAdjustmentExpense.

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 — unpaid unallocated loss adjustment expenses, net of reinsurance?
The Hartford Financial Services Group (HIG) reported automobiles — unpaid unallocated loss adjustment expenses, net of reinsurance of 11,600,000,000% in Q4 2025.
How has The Hartford Financial Services Group's automobiles — unpaid unallocated loss adjustment expenses, net of reinsurance changed year-over-year?
The Hartford Financial Services Group's automobiles — unpaid unallocated loss adjustment expenses, net of reinsurance increased by 3.6% year-over-year, from 11,200,000,000% to 11,600,000,000%.
What does automobiles — unpaid unallocated loss adjustment expenses, net of reinsurance mean?
This represents the estimated future costs associated with handling and adjusting claims that cannot be attributed to a specific claim file. It includes overhead and administrative costs for the claims department, net of reinsurance.