Products & Services · 1st Year
Marine — 1st Year
The Hartford Financial Services Group Marine — 1st Year decreased by 0.9% to 22.6% in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 0.9%, from 22.8% to 22.6%. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ4 2019
Last reportedQ4 2025
How to read this metric
Changes in development patterns signal the accuracy of initial underwriting pricing and reserving assumptions.
Detailed definition
Represents the loss development or claims experience for policies originating in the first year of the current underwrit...
Peer comparison
Standard actuarial cohort analysis used by insurers to evaluate loss development factors.
Metric ID:
hig_segment_marine_1st_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 25.3% | 24.2% | 23.1% | 22.8% | 22.6% |
| QoQ Change | — | -4.3% | -4.5% | -1.3% | -0.9% |
| YoY Change | — | -4.3% | -4.5% | -1.3% | -0.9% |
Range22.6% – 25.3%
CAGR-10.7%
Avg YoY Growth-2.8%
Median YoY Growth-2.8%
Current Streak4+ quarters decline
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Frequently Asked Questions
- What is The Hartford Financial Services Group's marine — 1st year?
- The Hartford Financial Services Group (HIG) reported marine — 1st year of 22.6% in Q4 2025.
- How has The Hartford Financial Services Group's marine — 1st year changed year-over-year?
- The Hartford Financial Services Group's marine — 1st year decreased by 0.9% year-over-year, from 22.8% to 22.6%.
- What does marine — 1st year mean?
- The claims experience for policies written in the first year of the current cycle.