Products & Services · 1st Year
Package Business — 1st Year
The Hartford Financial Services Group Package Business — 1st Year decreased by 2.0% to 35.1% in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 2.0%, from 35.8% to 35.1%. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryProfitability
SignalLower is better
VolatilityModerate
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
Higher loss ratios in the first year may indicate aggressive pricing or poor risk selection, while lower ratios suggest strong initial underwriting.
Detailed definition
Refers to the loss experience or premium development for policies in their first year of coverage within the package bus...
Peer comparison
Standard actuarial cohort analysis used across the insurance industry to track policy lifecycle performance.
Metric ID:
hig_segment_package_business_1st_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 37.4% | 36.8% | 36.7% | 35.8% | 35.1% |
| QoQ Change | — | -1.6% | -0.3% | -2.5% | -2.0% |
| YoY Change | — | -1.6% | -0.3% | -2.5% | -2.0% |
Range35.1% – 37.4%
CAGR-6.1%
Avg YoY Growth-1.6%
Median YoY Growth-1.8%
Current Streak4+ quarters decline
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Frequently Asked Questions
- What is The Hartford Financial Services Group's package business — 1st year?
- The Hartford Financial Services Group (HIG) reported package business — 1st year of 35.1% in Q4 2025.
- How has The Hartford Financial Services Group's package business — 1st year changed year-over-year?
- The Hartford Financial Services Group's package business — 1st year decreased by 2.0% year-over-year, from 35.8% to 35.1%.
- What does package business — 1st year mean?
- The financial performance or claims data for policies during their first year of coverage.