What does general liability — 3rd year mean?

This metric measures the cumulative loss development or claim payments for general liability policies as they reach their third year of maturity. At this stage, more complex claims are typically resolved or have more reliable reserve estimates. It is a key indicator for evaluating the long-term profitability of the underwriting year.

The Hartford Financial Services Group HIG General Liability — 3rd Year

Other product segments

Automobiles

37.2%+2.2%

Professional liability

15.9%-3.6%

Marine

15.8%-6.0%

Assumed Reinsurance

14.7%+3.5%

Workers' Compensation

12.2%+0.8%

Surety Product Line

11.8%+7.3%

Package Business

9.8%+2.1%

Property Insurance

9.4%-1.1%

Commercial automobile physical damage

0.4%+300%

Personal automobile physical damage

-0.2%+50.0%

Similar metrics at other companies

CNAGeneral Liability — Year 3

15.5%-0.2pp

ORIGeneral Liability — Year 3

15.7%+0.6pp

CNAGeneral Liability — Year 2

12.1%-0.4pp

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

33.8%-1.0pp

CNAGeneral Liability — Year 5

14.5%+0.7pp

CNAGeneral Liability — Year 6

9.8%+0.6pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 — 3rd year?: The Hartford Financial Services Group (HIG) reported general liability — 3rd year of 12% 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%.
What does general liability — 3rd year mean?: This metric measures the cumulative loss development or claim payments for general liability policies as they reach their third year of maturity. At this stage, more complex claims are typically resolved or have more reliable reserve estimates. It is a key indicator for evaluating the long-term profitability of the underwriting year.