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The Hartford Financial Services Group HIG General Liability — IBNR
Reserves

Other product segments

Workers' Compensation
$1.56B+1.8%
Automobiles
$1.25B+11.0%
Package Business
$867M+15.6%
Professional liability
$366M+8.6%
Assumed Reinsurance
$322M+8.4%
Property Insurance
$271M-15.8%
Marine
$78M-6.0%
Surety Product Line
$70M-10.3%
Personal automobile physical damage
$10M-64.3%
Commercial automobile physical damage
$7M-12.5%

Similar metrics at other companies

CNA Financial logo
CNAGeneral Liability — IBNR
341,000,000,000%+19,500,000,000pp
The Travelers Companies logo
TRVGeneral Liability — IBNR Reserves Dec. 31, 2025 (Audited)
313,100,000,000%+29,500,000,000pp
Selective Insurance Group logo
SIGIGeneral liability — IBNR
$769.16M+23.9%
American International Group logo
AIGReserve for Incurred But Not Reported (IBNR) Claims
$334M-15.4%
U-Haul Holding logo
UHALReserve for Incurred But Not Reported (IBNR) Claims
$2.9M-61.5%
Brighthouse Financial logo
BHFReserve for Incurred But Not Reported (IBNR) Claims
$3.99B+3.3%

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:ShortdurationInsuranceContractsIncurredButNotReportedIbnrClaimsLiabilityNet.

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 — 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?
This represents the estimated liability for claims that have occurred but have not yet been reported to the insurer. It is a critical actuarial provision for long-tail insurance lines where the time between incident and reporting can be significant. Proper estimation is essential for maintaining solvency and accurate financial reporting.