What does general liability — 7th year mean?

This metric measures the cumulative loss development or claim payments for general liability policies as they reach their seventh year of maturity. It is primarily used for long-term historical analysis and to validate the accuracy of long-tail actuarial models. It represents the tail-end of the claim settlement cycle.

The Hartford Financial Services Group HIG General Liability — 7th Year

Other product segments

Professional liability

8.1%-9.0%

Automobiles

5.9%+22.9%

Package Business

3.8%+15.2%

Workers' Compensation

2.8%-3.4%

Marine

0.8%0.0%

Assumed Reinsurance

-0.5%+50.0%

Property Insurance

0.4%+300%

Surety Product Line

-0.3%+81.3%

Similar metrics at other companies

CNAGeneral Liability — Year 7

8.4%+1.3pp

ORIGeneral Liability — Year 7

6.5%+0.7pp

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

13.9%+0.1pp

CNAGeneral Liability — Year 6

9.8%+0.6pp

CNAGeneral Liability — Year 5

14.5%+0.7pp

ORIGeneral Liability — Year 6

8%+0.1pp

Other financials

Income statement

See full

Revenue$7.2B+6.1%

Net income$856.0M+35.9%

EPS (diluted)$3.04+41.4%

Balance sheet

See full

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

See full

Operating cash flow$1.0B+6.1%

CapEx$31.0M-18.4%

Free cash flow$1.0B+7.1%

Valuation

See full

Market cap$36.7B+2.1%

Enterprise value$40.91B+1.9%

P/E9×-2.0×

P/S1.3×0.0×

Profitability

See full

Net margin14.1%+3.0pp

FCF margin20.2%-0.8pp

Returns & leverage

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSeven.

The official record: The Hartford Financial Services Group’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

Ask your AI about The Hartford Financial Services Group's general liability — 7th year.

Connect your AI assistant and compare segments, right in your chat.

Connect your AI

Claude

Questions, answered.

What is The Hartford Financial Services Group's general liability — 7th year?: The Hartford Financial Services Group (HIG) reported general liability — 7th year of 9.6% in Q4 2025.
How has The Hartford Financial Services Group's general liability — 7th year changed year-over-year?: The Hartford Financial Services Group's general liability — 7th year increased by 5.5% year-over-year, from 9.1% to 9.6%.
What does general liability — 7th year mean?: This metric measures the cumulative loss development or claim payments for general liability policies as they reach their seventh year of maturity. It is primarily used for long-term historical analysis and to validate the accuracy of long-tail actuarial models. It represents the tail-end of the claim settlement cycle.