What does general liability — 1st year mean?

This represents the cumulative loss development or claim payments specifically attributed to the first year following the inception of the policy period. It captures the initial stage of the claim lifecycle for general liability coverage. This data is vital for assessing the accuracy of initial pricing and early-stage loss reserving.

The Hartford Financial Services Group HIG General Liability — 1st Year

Other product segments

Property Insurance

117.4%-0.2%

Personal automobile physical damage

93.3%+1.5%

Commercial automobile physical damage

80.7%+3.2%

Automobiles

45.7%-2.4%

Package Business

35.1%-2.0%

Assumed Reinsurance

23.4%-10.3%

Marine

22.6%-0.9%

Workers' Compensation

14.9%+0.7%

Surety Product Line

10.2%-8.1%

Professional liability

5.3%0.0%

Similar metrics at other companies

ORIGeneral Liability — Year 1

4.4%-0.3pp

CNAGeneral Liability — Year 1

3.4%0.0pp

TRVGeneral Liability — Short-duration Insurance Contracts, Historical Claims Duration, Year One

11.8%-0.2pp

HMNAutomobile Liability — Year One

37.1%-0.1pp

CNAGeneral Liability — Year 2

12.1%-0.4pp

UFCSCommercial other liability — Year 1

7.1%-0.5pp

Other financials

Income statement

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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 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?: This represents the cumulative loss development or claim payments specifically attributed to the first year following the inception of the policy period. It captures the initial stage of the claim lifecycle for general liability coverage. This data is vital for assessing the accuracy of initial pricing and early-stage loss reserving.