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The Hartford Financial Services Group HIG General Liability — 4th Year

Other product segments

Automobiles
25.3%+1.2%
Professional liability
11.9%+0.8%
Package Business
9.3%0.0%
Workers' Compensation
8.3%+2.5%
Marine
7.9%+5.3%
Assumed Reinsurance
7.3%+7.4%
Surety Product Line
6.7%-22.1%
Property Insurance
5%+28.2%

Similar metrics at other companies

CNA Financial logo
CNAGeneral Liability — Year 4
16.6%-0.2pp
Old Republic International logo
ORIGeneral Liability — Year 4
15.7%+0.1pp
CNA Financial logo
CNAGeneral Liability — Year 3
15.5%-0.2pp
CNA Financial logo
CNAGeneral Liability — Year 5
14.5%+0.7pp
The Travelers Companies logo
TRVGeneral Liability — Short-duration Insurance Contracts, Historical Claims Duration, Year Four
32%-1.4pp
Old Republic International logo
ORIGeneral Liability — Year 3
15.7%+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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 — 4th year?
The Hartford Financial Services Group (HIG) reported general liability — 4th year of 16.7% in Q4 2025.
How has The Hartford Financial Services Group's general liability — 4th year changed year-over-year?
The Hartford Financial Services Group's general liability — 4th year increased by 0.6% year-over-year, from 16.6% to 16.7%.
What does general liability — 4th year mean?
This metric tracks the cumulative loss development or claim payments for general liability policies as they reach their fourth year of maturity. By this point, the majority of claims are typically settled, making this a critical data point for final loss ratio assessments. It helps validate the adequacy of reserves established in earlier years.