Products & Services · 5th Year
Marine — 5th Year
The Hartford Financial Services Group Marine — 5th Year increased by 7.5% to 7.2% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 7.5%, from 6.7% to 7.2%. 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
Minimal development at this stage indicates that the majority of claims for this cohort have been settled or accurately reserved.
Detailed definition
Represents the cumulative loss development or claims experience for policies originating in the fifth year of the underw...
Peer comparison
Standard actuarial metric for assessing long-tail claim maturity.
Metric ID:
hig_segment_marine_5th_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 6.6% | 6.4% | 6.7% | 6.7% | 7.2% |
| QoQ Change | — | -3.0% | +4.7% | +0.0% | +7.5% |
| YoY Change | — | -3.0% | +4.7% | +0.0% | +7.5% |
Range6.4% – 7.2%
CAGR+9.1%
Avg YoY Growth+2.3%
Median YoY Growth+2.3%
Current Streak3 quarters growth
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Frequently Asked Questions
- What is The Hartford Financial Services Group's marine — 5th year?
- The Hartford Financial Services Group (HIG) reported marine — 5th year of 7.2% in Q4 2025.
- How has The Hartford Financial Services Group's marine — 5th year changed year-over-year?
- The Hartford Financial Services Group's marine — 5th year increased by 7.5% year-over-year, from 6.7% to 7.2%.
- What does marine — 5th year mean?
- The claims experience for policies written in the fifth year of the current cycle.