Products & Services · 5th Year
General Liability — 5th Year
The Hartford Financial Services Group General Liability — 5th Year decreased by 3.9% to 14.9% in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 3.9%, from 15.5% to 14.9%. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryProfitability
SignalLower is better
VolatilityStable
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
Unexpected increases at this late stage may signal adverse development in complex, long-tail liability cases.
Detailed definition
This metric captures 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_5th_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 16.6% | 16.6% | 16.6% | 15.5% | 14.9% |
| QoQ Change | — | +0.0% | +0.0% | -6.6% | -3.9% |
| YoY Change | — | +0.0% | +0.0% | -6.6% | -3.9% |
Range14.9% – 16.6%
CAGR-10.2%
Avg YoY Growth-2.6%
Median YoY Growth-1.9%
Current Streak2 quarters decline
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Frequently Asked Questions
- 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?
- The total claims costs or losses incurred by the fifth year of a policy's life.