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The Hartford Financial Services Group HIG Employee Benefits — Benefits, Losses and Loss Adjustment Expenses

Other segment segments

P&C Business Insurance
$7.89B+6.0%
P&C Personal Insurance
$2.46B-2.8%
Property & Casualty Other Operations
$196M-10.5%
Hartford Funds
$0

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$1.13B-8.3%

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:SupplementaryInsuranceInformationBenefitsClaimsLossesAndSettlementExpense.

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 employee benefits — benefits, losses and loss adjustment expenses?
The Hartford Financial Services Group (HIG) reported employee benefits — benefits, losses and loss adjustment expenses of $1.17B in Q4 2025.
How has The Hartford Financial Services Group's employee benefits — benefits, losses and loss adjustment expenses changed year-over-year?
The Hartford Financial Services Group's employee benefits — benefits, losses and loss adjustment expenses increased by 0.2% year-over-year, from $1.17B to $1.17B.
What is the long-term trend for The Hartford Financial Services Group's employee benefits — benefits, losses and loss adjustment expenses?
Over 3 years (2022 to 2025), The Hartford Financial Services Group's employee benefits — benefits, losses and loss adjustment expenses has grown at a 1.3% compound annual growth rate (CAGR), from $4.52B to $4.69B.
What does employee benefits — benefits, losses and loss adjustment expenses mean?
This metric represents the total costs incurred by the insurance segment related to claims payments, reserves for future claims, and the administrative expenses associated with investigating and settling those claims. It serves as a primary indicator of underwriting performance and the accuracy of actuarial assumptions regarding policyholder risk. High levels relative to premiums may indicate adverse loss trends or inadequate pricing.