What does package business — 4th year mean?

Refers to the loss experience or premium development for policies in their fourth year of coverage within the package business segment. This metric helps actuaries refine ultimate loss estimates as more claims reach maturity.

The Hartford Financial Services Group HIG Package Business — 4th Year

Other product segments

Automobiles

25.3%+1.2%

General Liability

16.7%+0.6%

Professional liability

11.9%+0.8%

Workers' Compensation

8.3%+2.5%

Marine

7.9%+5.3%

Assumed Reinsurance

7.3%+7.4%

Surety Product Line

6.7%-22.1%

Property Insurance

5%+28.2%

Similar metrics at other companies

ACGLThird party occurrence business — Year Four

13.4%+0.2pp

GLREProperty — Year 4

3.8%+0.3pp

GLRESpecialty — Year 4

40.2%+17.2pp

ACGLThird party claims-made business — Year Four

12%+1.1pp

AXSInsurance — Year 4

14.8%—

ACGLSpecialty — Year Four

6.7%+0.3pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 package business — 4th year?: The Hartford Financial Services Group (HIG) reported package business — 4th year of 9.3% in Q4 2025.
How has The Hartford Financial Services Group's package business — 4th year changed year-over-year?: The Hartford Financial Services Group's package business — 4th year decreased by 0.0% year-over-year, from 9.3% to 9.3%.
What does package business — 4th year mean?: Refers to the loss experience or premium development for policies in their fourth year of coverage within the package business segment. This metric helps actuaries refine ultimate loss estimates as more claims reach maturity.