Products & Services · IBNR
Reserves
General Liability — IBNR Reserves
The Hartford Financial Services Group General Liability — IBNR Reserves increased by 19.0% to $1.63B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 19.0%, from $1.37B to $1.63B. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
An increase may suggest rising uncertainty or potential future claim severity, while a decrease may indicate favorable loss development or improved reporting speed.
Detailed definition
This represents the estimated liability for claims that have occurred but have not yet been reported to the insurer. It...
Peer comparison
Standard across all P&C insurers; peers typically disclose this as part of their total loss reserves.
Metric ID:
hig_segment_general_liability_ibnr_reservesHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | $929.00M | $1.05B | $1.17B | $1.37B | $1.63B |
| QoQ Change | — | +12.5% | +12.2% | +16.5% | +19.0% |
| YoY Change | — | +12.5% | +12.2% | +16.5% | +19.0% |
Range$929.00M – $1.63B
CAGR+75.0%
Avg YoY Growth+15.1%
Median YoY Growth+14.5%
Current Streak4+ quarters growth
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Frequently Asked Questions
- What is The Hartford Financial Services Group's general liability — ibnr reserves?
- The Hartford Financial Services Group (HIG) reported general liability — ibnr reserves of $1.63B in Q4 2025.
- How has The Hartford Financial Services Group's general liability — ibnr reserves changed year-over-year?
- The Hartford Financial Services Group's general liability — ibnr reserves increased by 19.0% year-over-year, from $1.37B to $1.63B.
- What does general liability — ibnr reserves mean?
- The estimated amount of money set aside for claims that have happened but have not yet been reported.