What does group insurance policy — 9th year mean?

Captures the cumulative claims development for group insurance policies at the nine-year maturity mark. This metric provides a view into the final settlement phase of older group insurance liabilities.

The Hartford Financial Services Group HIG Group Insurance Policy — 9th Year

Other product segments

General Liability

6.2%+67.6%

Marine

-1.6%-6.7%

Workers' Compensation

1.5%-11.8%

Package Business

1%-28.6%

Professional liability

0.9%-62.5%

Automobiles

0.6%-33.3%

Surety Product Line

-0.4%-33.3%

Assumed Reinsurance

-0.3%-400%

Property Insurance

-0.1%0.0%

Similar metrics at other companies

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

0%—

EGProperty Insurance — Year nine

0.4%-1.6pp

AXSInsurance — Year 9

6.5%—

HMNGroup Disability — Year Nine

1.9%-0.1pp

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

0%—

ACGLThird party occurrence business — Year Nine

4.6%-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

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearNine.

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 — 9th year?: The Hartford Financial Services Group (HIG) reported group insurance policy — 9th year of 3.1% in Q4 2025.
How has The Hartford Financial Services Group's group insurance policy — 9th year changed year-over-year?: The Hartford Financial Services Group's group insurance policy — 9th year decreased by 6.1% year-over-year, from 3.3% to 3.1%.
What does group insurance policy — 9th year mean?: Captures the cumulative claims development for group insurance policies at the nine-year maturity mark. This metric provides a view into the final settlement phase of older group insurance liabilities.