Products & Services · 4th Year
General Liability — 4th Year
The Hartford Financial Services Group General Liability — 4th Year increased by 0.6% to 16.7% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 0.6%, from 16.6% to 16.7%. 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
Consistent performance at this stage confirms strong underwriting discipline and accurate actuarial modeling.
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_4th_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 18.2% | 18% | 16.7% | 16.6% | 16.7% |
| QoQ Change | — | -1.1% | -7.2% | -0.6% | +0.6% |
| YoY Change | — | -1.1% | -7.2% | -0.6% | +0.6% |
Range16.6% – 18.2%
CAGR-8.2%
Avg YoY Growth-2.1%
Median YoY Growth-0.8%
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Frequently Asked Questions
- 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?
- The total claims costs or losses incurred by the fourth year of a policy's life.