Products & Services · 4th Year
Marine — 4th Year
The Hartford Financial Services Group Marine — 4th Year increased by 5.3% to 7.9% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 5.3%, from 7.5% to 7.9%. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityStable
First reportedQ4 2019
Last reportedQ4 2025
How to read this metric
Significant changes at this maturity level may indicate shifts in legal or environmental liability trends affecting marine risks.
Detailed definition
Represents the cumulative loss development or claims experience for policies originating in the fourth year of the under...
Peer comparison
Used by insurers to validate long-term reserve adequacy against historical benchmarks.
Metric ID:
hig_segment_marine_4th_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 8% | 7.7% | 7.2% | 7.5% | 7.9% |
| QoQ Change | — | -3.8% | -6.5% | +4.2% | +5.3% |
| YoY Change | — | -3.8% | -6.5% | +4.2% | +5.3% |
Range7.2% – 8%
CAGR-1.2%
Avg YoY Growth-0.2%
Median YoY Growth+0.2%
Current Streak2 quarters growth
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Frequently Asked Questions
- What is The Hartford Financial Services Group's marine — 4th year?
- The Hartford Financial Services Group (HIG) reported marine — 4th year of 7.9% in Q4 2025.
- How has The Hartford Financial Services Group's marine — 4th year changed year-over-year?
- The Hartford Financial Services Group's marine — 4th year increased by 5.3% year-over-year, from 7.5% to 7.9%.
- What does marine — 4th year mean?
- The claims experience for policies written in the fourth year of the current cycle.