What does package business — 7th year mean?

Refers to the loss experience or premium development for policies in their seventh year of coverage within the package business segment. This metric is used to finalize the assessment of long-term underwriting profitability for specific policy cohorts.

The Hartford Financial Services Group HIG Package Business — 7th Year

Other product segments

General Liability

9.6%+5.5%

Professional liability

8.1%-9.0%

Automobiles

5.9%+22.9%

Workers' Compensation

2.8%-3.4%

Marine

0.8%0.0%

Assumed Reinsurance

-0.5%+50.0%

Property Insurance

0.4%+300%

Surety Product Line

-0.3%+81.3%

Similar metrics at other companies

ACGLThird party occurrence business — Year Seven

6.1%+0.6pp

HMNHomeowners — Year Seven

0%—

ACGLSpecialty — Year Seven

1.2%-0.4pp

ESN

ESNTProperty Insurance Product Line — Year 7

1%0.0pp

AXSInsurance — Year 7

8.8%—

SPNTProperty Catastrophe — Year 7

1.7%-1.4pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSeven.

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 — 7th year?: The Hartford Financial Services Group (HIG) reported package business — 7th year of 3.8% in Q4 2025.
How has The Hartford Financial Services Group's package business — 7th year changed year-over-year?: The Hartford Financial Services Group's package business — 7th year increased by 15.2% year-over-year, from 3.3% to 3.8%.
What does package business — 7th year mean?: Refers to the loss experience or premium development for policies in their seventh year of coverage within the package business segment. This metric is used to finalize the assessment of long-term underwriting profitability for specific policy cohorts.