Products & Services · 2nd Year
Marine — 2nd Year
The Hartford Financial Services Group Marine — 2nd Year decreased by 1.6% to 31.5% in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 1.6%, from 32.0% to 31.5%. 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
Consistent or declining development indicates stable underwriting, while adverse development suggests underpricing or unexpected risk.
Detailed definition
Represents the cumulative loss development or claims experience for policies originating in the second year of the under...
Peer comparison
Commonly used in actuarial triangles to track loss maturity across peer insurance companies.
Metric ID:
hig_segment_marine_2nd_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 31.4% | 31.3% | 31.8% | 32% | 31.5% |
| QoQ Change | — | -0.3% | +1.6% | +0.6% | -1.6% |
| YoY Change | — | -0.3% | +1.6% | +0.6% | -1.6% |
Range31.3% – 32%
CAGR+0.3%
Avg YoY Growth+0.1%
Median YoY Growth+0.2%
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Frequently Asked Questions
- What is The Hartford Financial Services Group's marine — 2nd year?
- The Hartford Financial Services Group (HIG) reported marine — 2nd year of 31.5% in Q4 2025.
- How has The Hartford Financial Services Group's marine — 2nd year changed year-over-year?
- The Hartford Financial Services Group's marine — 2nd year decreased by 1.6% year-over-year, from 32.0% to 31.5%.
- What does marine — 2nd year mean?
- The claims experience for policies written in the second year of the current cycle.