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The Hartford Financial Services Group HIG General Liability — 9th Year

Other product segments

Marine
-1.6%-6.7%
Workers' Compensation
1.5%-11.8%
Package Business
1%-28.6%
Professional liability
0.9%-62.5%
Automobiles
0.6%-33.3%
Surety Product Line
-0.4%-33.3%
Assumed Reinsurance
-0.3%-400%
Property Insurance
-0.1%0.0%

Similar metrics at other companies

CNA Financial logo
CNAGeneral Liability — Year 9
5.4%+2.2pp
Old Republic International logo
ORIGeneral Liability — Year 9
3%+0.3pp
Old Republic International logo
ORIGeneral Liability — Year 10
2.5%+0.7pp
Selective Insurance Group logo
SIGIGeneral liability — Short-duration insurance contracts, historical claims duration, year nine
3.5%+0.5pp
CNA Financial logo
CNAGeneral Liability — Year 10
4%+2.8pp
CNA Financial logo
CNAGeneral Liability — Year 6
9.8%+0.6pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearNine.

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 — 9th year?
The Hartford Financial Services Group (HIG) reported general liability — 9th year of 6.2% in Q4 2025.
How has The Hartford Financial Services Group's general liability — 9th year changed year-over-year?
The Hartford Financial Services Group's general liability — 9th year increased by 67.6% year-over-year, from 3.7% to 6.2%.
What does general liability — 9th year mean?
This metric represents the cumulative claims development or loss experience specifically for general liability policies issued nine years prior to the current reporting period. It is used by actuaries to assess the long-term accuracy of initial loss reserves and to identify potential trends in late-emerging claims. Monitoring this cohort helps evaluate the adequacy of long-tail liability reserving practices.