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The Hartford Financial Services Group HIG Marine — Unpaid Unallocated Loss Adjustment Expenses, Net of Reinsurance

Other product segments

Property and Casualty Insurance Subsidiaries
$1.32B+7.7%
Workers' Compensation
$450M+7.4%
General Liability
$220M+8.9%
Other operations
$182M+6.4%
Package Business
$147M+13.1%
Automobiles
$116M+3.6%
Property Insurance
$80M+9.6%
Professional liability
$49M+4.3%
Surety Product Line
$34M+3.0%
Assumed Reinsurance
$9M+28.6%
Short-Duration Insurance, Other
$8M+14.3%
Personal automobile physical damage
$5M0.0%
Commercial automobile physical damage
$1M0.0%

Similar metrics at other companies

Hagerty logo
HGTYMarine — Liability for Unpaid Claims and Claims Adjustment Expense, Net
$329K+458%
White Mountains Insurance Group logo
WTMMarine & Energy — Unpaid loss and LAE reserves, net of reinsurance recoverables on unpaid losses
$569M+22.9%
Hagerty logo
HGTYMarine — Reinsurance recoverable on unpaid losses and loss adjustment expenses
$0
Hagerty logo
HGTYMarine — Reserves for unpaid losses and loss adjustment expenses
$329K+458%
White Mountains Insurance Group logo
WTMMarine & Energy — Incurred Loss and LAE, Net of Reinsurance
$248.1M+2.0%
White Mountains Insurance Group logo
WTMMarine & Energy — Cumulative Paid Loss and LAE, Net of Reinsurance
$1B+128%

Other financials

Income statement

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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/E-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:ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseAccumulatedUnallocatedClaimAdjustmentExpense.

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 — unpaid unallocated loss adjustment expenses, net of reinsurance?
The Hartford Financial Services Group (HIG) reported marine — unpaid unallocated loss adjustment expenses, net of reinsurance of $15M in Q4 2025.
How has The Hartford Financial Services Group's marine — unpaid unallocated loss adjustment expenses, net of reinsurance changed year-over-year?
The Hartford Financial Services Group's marine — unpaid unallocated loss adjustment expenses, net of reinsurance decreased by 0.0% year-over-year, from $15M to $15M.
What does marine — unpaid unallocated loss adjustment expenses, net of reinsurance mean?
This represents the estimated costs to administer and settle claims that are not directly attributable to a specific claim file, net of reinsurance. It covers overhead costs associated with the claims department's ongoing operations.