What does group insurance policy — 3rd year mean?

Represents the cumulative claims development or loss emergence for group insurance policies at the three-year maturity mark. This metric helps actuaries and investors assess the accuracy of initial loss reserves established for policies issued three years prior.

The Hartford Financial Services Group HIG Group Insurance Policy — 3rd Year

Other product segments

Automobiles

37.2%+2.2%

Professional liability

15.9%-3.6%

Marine

15.8%-6.0%

Assumed Reinsurance

14.7%+3.5%

Workers' Compensation

12.2%+0.8%

General Liability

12%+1.7%

Surety Product Line

11.8%+7.3%

Package Business

9.8%+2.1%

Property Insurance

9.4%-1.1%

Commercial automobile physical damage

0.4%+300%

Personal automobile physical damage

-0.2%+50.0%

Similar metrics at other companies

AXSInsurance — Year 3

15.3%—

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

1.1%+0.1pp

FRHCLife Insurance — 3

-4.4%-12.4pp

ESN

ESNTProperty Insurance Product Line — Year 3

29%+1.0pp

EGProperty Insurance — Year three

24.2%+1.7pp

CNAGeneral Liability — Year 3

15.5%-0.2pp

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

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 — 3rd year?: The Hartford Financial Services Group (HIG) reported group insurance policy — 3rd year of 15.9% in Q4 2025.
How has The Hartford Financial Services Group's group insurance policy — 3rd year changed year-over-year?: The Hartford Financial Services Group's group insurance policy — 3rd year decreased by 0.0% year-over-year, from 15.9% to 15.9%.
What does group insurance policy — 3rd year mean?: Represents the cumulative claims development or loss emergence for group insurance policies at the three-year maturity mark. This metric helps actuaries and investors assess the accuracy of initial loss reserves established for policies issued three years prior.