What does group insurance policy — 4th year mean?

Measures the cumulative loss experience for group insurance policies at the four-year maturity point. It provides insight into the long-term stability of claims estimates for specific underwriting cohorts.

The Hartford Financial Services Group HIG Group Insurance Policy — 4th Year

Other product segments

Automobiles

25.3%+1.2%

General Liability

16.7%+0.6%

Professional liability

11.9%+0.8%

Package Business

9.3%0.0%

Workers' Compensation

8.3%+2.5%

Marine

7.9%+5.3%

Assumed Reinsurance

7.3%+7.4%

Surety Product Line

6.7%-22.1%

Property Insurance

5%+28.2%

Similar metrics at other companies

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

0.4%+0.1pp

AXSInsurance — Year 4

14.8%—

EGProperty Insurance — Year four

14%-0.6pp

ESN

ESNTProperty Insurance Product Line — Year 4

9%-1.0pp

FRHCLife Insurance — 4

204.9%+138pp

HMNGroup Disability — Year Four

3.8%-0.1pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

The official record: The Hartford Financial Services Group’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

Ask your AI about The Hartford Financial Services Group's group insurance policy — 4th year.

Connect your AI assistant and compare segments, right in your chat.

Connect your AI

Claude

Questions, answered.

What is The Hartford Financial Services Group's group insurance policy — 4th year?: The Hartford Financial Services Group (HIG) reported group insurance policy — 4th year of 7.9% in Q4 2025.
How has The Hartford Financial Services Group's group insurance policy — 4th year changed year-over-year?: The Hartford Financial Services Group's group insurance policy — 4th year decreased by 1.3% year-over-year, from 8% to 7.9%.
What does group insurance policy — 4th year mean?: Measures the cumulative loss experience for group insurance policies at the four-year maturity point. It provides insight into the long-term stability of claims estimates for specific underwriting cohorts.