What does package business — 5th year mean?

Refers to the loss experience or premium development for policies in their fifth year of coverage within the package business segment. By this stage, most claims are typically settled, providing a clearer picture of final underwriting results.

The Hartford Financial Services Group HIG Package Business — 5th Year

Other product segments

Automobiles

15.7%-0.6%

General Liability

14.9%-3.9%

Professional liability

9.7%+1.0%

Marine

7.2%+7.5%

Workers' Compensation

5.8%+1.8%

Assumed Reinsurance

5.7%-3.4%

Property Insurance

1.9%-17.4%

Surety Product Line

1.3%+8.3%

Similar metrics at other companies

GLREProperty — Year 5

3%+0.2pp

ACGLThird party occurrence business — Year Five

11.3%+1.3pp

GLRESpecialty — Year 5

17.6%+3.4pp

ACGLThird party claims-made business — Year Five

13.3%-1.0pp

AXSInsurance — Year 5

13.3%—

SIGIBusinessowners’ policies — Short-duration insurance contracts, historical claims duration, year five

5.8%-0.1pp

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/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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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 — 5th year?: The Hartford Financial Services Group (HIG) reported package business — 5th year of 6.6% in Q4 2025.
How has The Hartford Financial Services Group's package business — 5th year changed year-over-year?: The Hartford Financial Services Group's package business — 5th year increased by 3.1% year-over-year, from 6.4% to 6.6%.
What does package business — 5th year mean?: Refers to the loss experience or premium development for policies in their fifth year of coverage within the package business segment. By this stage, most claims are typically settled, providing a clearer picture of final underwriting results.