What does general liability — 8th year mean?

This metric tracks the cumulative loss development or claim payments for general liability policies as they reach their eighth year of maturity. It is the final stage of standard actuarial reporting for most liability lines. It provides the ultimate view of the underwriting year's profitability and reserve accuracy.

The Hartford Financial Services Group HIG General Liability — 8th Year

Other product segments

Surety Product Line

-2.8%+64.1%

Professional liability

2.5%-26.5%

Workers' Compensation

2.1%0.0%

Automobiles

1.7%+21.4%

Package Business

1.7%-19.0%

Property Insurance

0.3%0.0%

Assumed Reinsurance

-0.2%-125%

Marine

0%-100%

Similar metrics at other companies

ORIGeneral Liability — Year 8

4.9%+0.5pp

CNAGeneral Liability — Year 8

5.4%-0.3pp

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

7.7%+0.7pp

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

5.7%+0.7pp

CNAGeneral Liability — Year 6

9.8%+0.6pp

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

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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

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearEight.

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 — 8th year?: The Hartford Financial Services Group (HIG) reported general liability — 8th year of 7.8% in Q4 2025.
How has The Hartford Financial Services Group's general liability — 8th year changed year-over-year?: The Hartford Financial Services Group's general liability — 8th year increased by 32.2% year-over-year, from 5.9% to 7.8%.
What does general liability — 8th year mean?: This metric tracks the cumulative loss development or claim payments for general liability policies as they reach their eighth year of maturity. It is the final stage of standard actuarial reporting for most liability lines. It provides the ultimate view of the underwriting year's profitability and reserve accuracy.