Products & Services · 3rd Year
Marine — 3rd Year
The Hartford Financial Services Group Marine — 3rd Year decreased by 6.0% to 15.8% in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 6.0%, from 16.8% to 15.8%. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityStable
First reportedQ4 2019
Last reportedQ4 2025
How to read this metric
Stable development at this stage suggests that initial reserves were appropriately set and the risk profile is well-understood.
Detailed definition
Represents the cumulative loss development or claims experience for policies originating in the third year of the underw...
Peer comparison
Standard industry cohort analysis for evaluating multi-year loss development.
Metric ID:
hig_segment_marine_3rd_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 17.5% | 17.5% | 18% | 16.8% | 15.8% |
| QoQ Change | — | +0.0% | +2.9% | -6.7% | -6.0% |
| YoY Change | — | +0.0% | +2.9% | -6.7% | -6.0% |
Range15.8% – 18%
CAGR-9.7%
Avg YoY Growth-2.4%
Median YoY Growth-3.0%
Current Streak2 quarters decline
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Frequently Asked Questions
- What is The Hartford Financial Services Group's marine — 3rd year?
- The Hartford Financial Services Group (HIG) reported marine — 3rd year of 15.8% in Q4 2025.
- How has The Hartford Financial Services Group's marine — 3rd year changed year-over-year?
- The Hartford Financial Services Group's marine — 3rd year decreased by 6.0% year-over-year, from 16.8% to 15.8%.
- What does marine — 3rd year mean?
- The claims experience for policies written in the third year of the current cycle.