Products & Services · 3rd Year
General Liability — 3rd Year
The Hartford Financial Services Group General Liability — 3rd Year increased by 1.7% to 12.0% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 1.7%, from 11.8% to 12.0%. 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
Stability in this metric indicates accurate initial reserving, while volatility suggests potential issues with long-tail claim estimation.
Detailed definition
This metric measures the cumulative loss development or claim payments for general liability policies as they reach thei...
Peer comparison
Standard actuarial triangle data used by all P&C insurers to track loss development patterns.
Metric ID:
hig_segment_general_liability_3rd_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 14.2% | 13.9% | 12.7% | 11.8% | 12% |
| QoQ Change | — | -2.1% | -8.6% | -7.1% | +1.7% |
| YoY Change | — | -2.1% | -8.6% | -7.1% | +1.7% |
Range11.8% – 14.2%
CAGR-15.5%
Avg YoY Growth-4.0%
Median YoY Growth-4.6%
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Frequently Asked Questions
- What is The Hartford Financial Services Group's general liability — 3rd year?
- The Hartford Financial Services Group (HIG) reported general liability — 3rd year of 12.0% in Q4 2025.
- How has The Hartford Financial Services Group's general liability — 3rd year changed year-over-year?
- The Hartford Financial Services Group's general liability — 3rd year increased by 1.7% year-over-year, from 11.8% to 12.0%.
- What does general liability — 3rd year mean?
- The total claims costs or losses incurred by the third year of a policy's life.