Products & Services · 2nd Year
Package Business — 2nd Year
The Hartford Financial Services Group Package Business — 2nd Year decreased by 0.9% to 22.2% in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 0.9%, from 22.4% to 22.2%. 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
Stable or declining loss ratios in the second year indicate consistent underwriting quality and accurate initial risk assessment.
Detailed definition
Refers to the loss experience or premium development for policies in their second year of coverage within the package bu...
Peer comparison
Standard actuarial cohort analysis used across the insurance industry to track policy lifecycle performance.
Metric ID:
hig_segment_package_business_2nd_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 21.8% | 21.1% | 22.3% | 22.4% | 22.2% |
| QoQ Change | — | -3.2% | +5.7% | +0.4% | -0.9% |
| YoY Change | — | -3.2% | +5.7% | +0.4% | -0.9% |
Range21.1% – 22.4%
CAGR+1.8%
Avg YoY Growth+0.5%
Median YoY Growth-0.2%
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Frequently Asked Questions
- What is The Hartford Financial Services Group's package business — 2nd year?
- The Hartford Financial Services Group (HIG) reported package business — 2nd year of 22.2% in Q4 2025.
- How has The Hartford Financial Services Group's package business — 2nd year changed year-over-year?
- The Hartford Financial Services Group's package business — 2nd year decreased by 0.9% year-over-year, from 22.4% to 22.2%.
- What does package business — 2nd year mean?
- The financial performance or claims data for policies during their second year of coverage.