Products & Services · 1st Year
General Liability — 1st Year
The Hartford Financial Services Group General Liability — 1st Year decreased by 4.0% to 2.4% in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 4.0%, from 2.5% to 2.4%. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryProfitability
SignalLower is better
VolatilityStable
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
Higher costs in the first year may indicate aggressive initial loss estimates or poor underwriting, while lower costs suggest favorable early-stage performance.
Detailed definition
This represents the cumulative loss development or claim payments specifically attributed to the first year following th...
Peer comparison
Standard actuarial triangle data used by all P&C insurers to track loss development patterns.
Metric ID:
hig_segment_general_liability_1st_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 2.9% | 2.8% | 2.7% | 2.5% | 2.4% |
| QoQ Change | — | -3.4% | -3.6% | -7.4% | -4.0% |
| YoY Change | — | -3.4% | -3.6% | -7.4% | -4.0% |
Range2.4% – 2.9%
CAGR-17.2%
Avg YoY Growth-4.6%
Median YoY Growth-3.8%
Current Streak4+ quarters decline
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Frequently Asked Questions
- What is The Hartford Financial Services Group's general liability — 1st year?
- The Hartford Financial Services Group (HIG) reported general liability — 1st year of 2.4% in Q4 2025.
- How has The Hartford Financial Services Group's general liability — 1st year changed year-over-year?
- The Hartford Financial Services Group's general liability — 1st year decreased by 4.0% year-over-year, from 2.5% to 2.4%.
- What does general liability — 1st year mean?
- The total claims costs or losses incurred during the first year of a policy's life.