Products & Services · 2nd Year
General Liability — 2nd Year
The Hartford Financial Services Group General Liability — 2nd Year increased by 6.4% to 8.3% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 6.4%, from 7.8% to 8.3%. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryProfitability
SignalLower is better
VolatilityStable
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
Significant increases in the second year can signal adverse development or longer-than-expected claim settlement timelines.
Detailed definition
This metric tracks the cumulative loss development or claim payments for general liability policies as they reach their...
Peer comparison
Standard actuarial triangle data used by all P&C insurers to track loss development patterns.
Metric ID:
hig_segment_general_liability_2nd_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 7.8% | 7.5% | 7.6% | 7.8% | 8.3% |
| QoQ Change | — | -3.8% | +1.3% | +2.6% | +6.4% |
| YoY Change | — | -3.8% | +1.3% | +2.6% | +6.4% |
Range7.5% – 8.3%
CAGR+6.4%
Avg YoY Growth+1.6%
Median YoY Growth+2.0%
Current Streak3 quarters growth
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Frequently Asked Questions
- What is The Hartford Financial Services Group's general liability — 2nd year?
- The Hartford Financial Services Group (HIG) reported general liability — 2nd year of 8.3% in Q4 2025.
- How has The Hartford Financial Services Group's general liability — 2nd year changed year-over-year?
- The Hartford Financial Services Group's general liability — 2nd year increased by 6.4% year-over-year, from 7.8% to 8.3%.
- What does general liability — 2nd year mean?
- The total claims costs or losses incurred by the second year of a policy's life.