What does package business — 8th year mean?

Refers to the loss experience or premium development for policies in their eighth year of coverage within the package business segment. This represents the final stages of the claim lifecycle where ultimate loss ratios are typically locked in.

The Hartford Financial Services Group HIG Package Business — 8th Year

Other product segments

General Liability

7.8%+32.2%

Surety Product Line

-2.8%+64.1%

Professional liability

2.5%-26.5%

Workers' Compensation

2.1%0.0%

Automobiles

1.7%+21.4%

Property Insurance

0.3%0.0%

Assumed Reinsurance

-0.2%-125%

Marine

0%-100%

Similar metrics at other companies

ACGLThird party occurrence business — Year Eight

5%-0.5pp

AXSInsurance — Year 8

6.8%—

ACGLThird party claims-made business — Year Eight

7.7%+1.5pp

ACGLSpecialty — Year Eight

0.5%-0.2pp

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

0.8%-0.2pp

ESN

ESNTProperty Insurance Product Line — Year 8

0%—

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

See full

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

See full

Operating cash flow$1.0B+6.1%

CapEx$31.0M-18.4%

Free cash flow$1.0B+7.1%

Valuation

See full

Market cap$36.7B+2.1%

Enterprise value$40.91B+1.9%

P/E9×-2.0×

P/S1.3×0.0×

Profitability

See full

Net margin14.1%+3.0pp

FCF margin20.2%-0.8pp

Returns & leverage

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearEight.

The official record: The Hartford Financial Services Group’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

Ask your AI about The Hartford Financial Services Group's package business — 8th year.

Connect your AI assistant and compare segments, right in your chat.

Connect your AI

Claude

Questions, answered.

What is The Hartford Financial Services Group's package business — 8th year?: The Hartford Financial Services Group (HIG) reported package business — 8th year of 1.7% in Q4 2025.
How has The Hartford Financial Services Group's package business — 8th year changed year-over-year?: The Hartford Financial Services Group's package business — 8th year decreased by 19.0% year-over-year, from 2.1% to 1.7%.
What does package business — 8th year mean?: Refers to the loss experience or premium development for policies in their eighth year of coverage within the package business segment. This represents the final stages of the claim lifecycle where ultimate loss ratios are typically locked in.