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The Hartford Financial Services Group HIG Other operations — Unpaid losses and loss adjustment expenses

Other product segments

Workers' Compensation
$14.87B+3.4%
Automobiles
$3.67B+7.5%
Package Business
$3.01B+15.0%
Professional liability
$2.26B+3.2%
Property Insurance
$1.31B-0.5%
Assumed Reinsurance
$954M+21.1%
Marine
$598M+1.9%
Short-Duration Insurance, Other
$548M+6.0%
Surety Product Line
$433M-5.3%
Personal automobile physical damage
$65M-16.7%
Commercial automobile physical damage
$28M-9.7%

Similar metrics at other companies

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EIGInsurance Operations — Unpaid losses and loss adjustment expenses
$1.81B-0.1%
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MKLUnderwriting Operations — Unpaid losses and loss adjustment expenses
$22.1B
Lemonade logo
LMNDProperty Insurance — Unpaid losses and loss adjustment expenses
$193.5M+0.2%
Trupanion logo
TRUPOther Segments — Liability for Unpaid Claims and Claims Adjustment Expense, Net
$28.26M-0.7%
The Hanover Insurance Group logo
THGAll Other Segments — Liability For Unpaid Claims And Claims Adjustment Expense Net
$12.3M-2.4%
Progressive logo
PGROther Shortduration Insurance Product Line — Liabilities for unpaid claims and claim adjustment expenses, net of reinsurance
$173M-2.3%

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:LiabilityForClaimsAndClaimsAdjustmentExpense.

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 other operations — unpaid losses and loss adjustment expenses?
The Hartford Financial Services Group (HIG) reported other operations — unpaid losses and loss adjustment expenses of $459M in Q4 2025.
How has The Hartford Financial Services Group's other operations — unpaid losses and loss adjustment expenses changed year-over-year?
The Hartford Financial Services Group's other operations — unpaid losses and loss adjustment expenses decreased by 9.5% year-over-year, from $507M to $459M.
What does other operations — unpaid losses and loss adjustment expenses mean?
This metric represents the gross estimate of all losses and associated adjustment expenses that have been incurred but remain unpaid, prior to any reinsurance offsets. It captures the total undiscounted liability for the segment's claims, providing a baseline for the company's gross exposure to insurance events. It is a fundamental indicator of the segment's total claim-related financial burden.