What does general liability — 5th year mean?

This metric captures the cumulative loss development or claim payments for general liability policies as they reach their fifth year of maturity. It serves as a benchmark for long-tail claim resolution efficiency. Significant changes at this stage are often indicative of major litigation outcomes or large-scale claim settlements.

The Hartford Financial Services Group HIG General Liability — 5th Year

Other product segments

Automobiles

15.7%-0.6%

Professional liability

9.7%+1.0%

Marine

7.2%+7.5%

Package Business

6.6%+3.1%

Workers' Compensation

5.8%+1.8%

Assumed Reinsurance

5.7%-3.4%

Property Insurance

1.9%-17.4%

Surety Product Line

1.3%+8.3%

Similar metrics at other companies

CNAGeneral Liability — Year 5

14.5%+0.7pp

ORIGeneral Liability — Year 5

14.2%+0.5pp

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

26.1%+0.2pp

CNAGeneral Liability — Year 6

9.8%+0.6pp

SIGIGeneral liability — Short-duration insurance contracts, historical claims duration, year five

15.2%+1.1pp

ORIGeneral Liability — Year 6

8%+0.1pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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 — 5th year?: The Hartford Financial Services Group (HIG) reported general liability — 5th year of 14.9% in Q4 2025.
How has The Hartford Financial Services Group's general liability — 5th year changed year-over-year?: The Hartford Financial Services Group's general liability — 5th year decreased by 3.9% year-over-year, from 15.5% to 14.9%.
What does general liability — 5th year mean?: This metric captures the cumulative loss development or claim payments for general liability policies as they reach their fifth year of maturity. It serves as a benchmark for long-tail claim resolution efficiency. Significant changes at this stage are often indicative of major litigation outcomes or large-scale claim settlements.