What does group insurance policy — 2nd year mean?

Refers to the performance or claims experience specifically for the second year of an insurance policy's lifecycle. This helps in evaluating the persistence and long-term profitability of the policyholder base.

The Hartford Financial Services Group HIG Group Insurance Policy — 2nd Year

Other product segments

Property Insurance

58.1%0.0%

Automobiles

54.1%+0.6%

Assumed Reinsurance

32.4%-1.8%

Marine

31.5%-1.6%

Surety Product Line

27.7%+4.9%

Package Business

22.2%-0.9%

Workers' Compensation

18.6%+1.1%

Professional liability

16.7%+3.7%

Commercial automobile physical damage

14.7%-15.0%

General Liability

8.3%+6.4%

Personal automobile physical damage

4.4%-30.2%

Similar metrics at other companies

AXSInsurance — Year 2

38.8%—

EGProperty Insurance — Year two

59.2%-2.4pp

HMNGroup Disability — Year Two

32.3%-0.4pp

METGroup Life - Term — Short-duration Insurance Contracts, Historical Claims Duration, Year Two

21.9%+0.3pp

GLREHealth — Year 2

83%+0.2pp

ESN

ESNTProperty Insurance Product Line — Year 2

45%+3.0pp

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

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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

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 group insurance policy — 2nd year?: The Hartford Financial Services Group (HIG) reported group insurance policy — 2nd year of 27.7% in Q4 2025.
How has The Hartford Financial Services Group's group insurance policy — 2nd year changed year-over-year?: The Hartford Financial Services Group's group insurance policy — 2nd year increased by 2.6% year-over-year, from 27% to 27.7%.
What does group insurance policy — 2nd year mean?: Refers to the performance or claims experience specifically for the second year of an insurance policy's lifecycle. This helps in evaluating the persistence and long-term profitability of the policyholder base.