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The Hartford Financial Services Group HIG Marine — IBNR
Reserves

Other product segments

General Liability
$1.63B+19.0%
Workers' Compensation
$1.56B+1.8%
Automobiles
$1.25B+11.0%
Package Business
$867M+15.6%
Professional liability
$366M+8.6%
Assumed Reinsurance
$322M+8.4%
Property Insurance
$271M-15.8%
Surety Product Line
$70M-10.3%
Personal automobile physical damage
$10M-64.3%
Commercial automobile physical damage
$7M-12.5%

Similar metrics at other companies

Arch Capital Group logo
ACGLMarine and aviation — Total of IBNR liabilities plus expected development on reported claims
17,200,000,000%+1,500,000,000pp
White Mountains Insurance Group logo
WTMMarine & Energy — Total IBNR plus expected development on reported claims
18,490,000,000%+230,000,000pp
American International Group logo
AIGReserve for Incurred But Not Reported (IBNR) Claims
$334M-15.4%
CNA Financial logo
CNACorporate & Other — Net IBNR Reserves
$238M-11.2%
Hagerty logo
HGTYMarine — Reserves for unpaid losses and loss adjustment expenses
$329K+458%
Hamilton Insurance Group, Ltd. logo
HGInternational - Property — IBNR
$82.47M+6.3%

Other financials

Income statement

See full
Revenue$7.2B+6.1%
Net income$856.0M+35.9%
EPS (diluted)$3.04+41.4%

Balance sheet

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Cash & equivalents$166.0M+20.3%
Total debt$4.4B+0.1%
Total equity$18.9B+12.1%
Total assets$86.3B+4.9%

Cash flow

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Operating cash flow$1.0B+6.1%
CapEx$31.0M-18.4%
Free cash flow$1.0B+7.1%

Valuation

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Market cap$36.7B+2.1%
Enterprise value$40.91B+1.9%
P/E9×-2.0×
P/S1.3×0.0×

Profitability

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Net margin14.1%+3.0pp
FCF margin20.2%-0.8pp

Returns & leverage

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Return on equity22.7%+4.2pp
Debt / equity0.2×0.0×

Where this comes from

Reported directly by The Hartford Financial Services Group in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsIncurredButNotReportedIbnrClaimsLiabilityNet.

The official record: The Hartford Financial Services Group’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is The Hartford Financial Services Group's marine — ibnr
reserves?
The Hartford Financial Services Group (HIG) reported marine — ibnr
reserves of $78M in Q4 2025.
How has The Hartford Financial Services Group's marine — ibnr
reserves changed year-over-year?
The Hartford Financial Services Group's marine — ibnr
reserves decreased by 6.0% year-over-year, from $83M to $78M.
What does marine — ibnr
reserves mean?
Represents the estimated liability for claims that have occurred but have not yet been reported to the insurer within the Marine insurance segment. This reserve is critical for ensuring the company maintains sufficient capital to cover future claim obligations for marine-related risks.