What does package business — 6th year mean?

Refers to the loss experience or premium development for policies in their sixth year of coverage within the package business segment. This provides long-term insight into the tail risk associated with the segment's insurance products.

The Hartford Financial Services Group HIG Package Business — 6th Year

Other product segments

General Liability

12.8%+4.1%

Professional liability

10%-2.9%

Automobiles

8.1%-1.2%

Marine

5.6%-9.7%

Workers' Compensation

4%0.0%

Assumed Reinsurance

3.2%+33.3%

Property Insurance

1.9%+90.0%

Surety Product Line

-0.7%+36.4%

Similar metrics at other companies

ACGLThird party occurrence business — Year Six

10.5%+0.5pp

ESN

ESNTProperty Insurance Product Line — Year 6

2%0.0pp

AXSInsurance — Year 6

10.8%—

ACGLSpecialty — Year Six

3.8%-0.2pp

ACGLThird party claims-made business — Year Six

11.8%+0.9pp

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

2.3%+0.4pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSix.

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 — 6th year?: The Hartford Financial Services Group (HIG) reported package business — 6th year of 4.4% in Q4 2025.
How has The Hartford Financial Services Group's package business — 6th year changed year-over-year?: The Hartford Financial Services Group's package business — 6th year increased by 2.3% year-over-year, from 4.3% to 4.4%.
What does package business — 6th year mean?: Refers to the loss experience or premium development for policies in their sixth year of coverage within the package business segment. This provides long-term insight into the tail risk associated with the segment's insurance products.