Products & Services · IBNR
Reserves
Package Business — IBNR Reserves
The Hartford Financial Services Group Package Business — IBNR Reserves increased by 15.6% to $867.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 15.6%, from $750.00M to $867.00M. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
An increase may suggest higher expected future claim costs or a more conservative reserving philosophy, while a decrease may indicate favorable loss trends or reserve releases.
Detailed definition
Represents the estimated liability for claims that have occurred but have not yet been reported to the insurer for the p...
Peer comparison
Standard industry practice for property and casualty insurers to maintain actuarial reserves for incurred but not reported claims.
Metric ID:
hig_segment_package_business_ibnr_reservesHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | $412.00M | $532.00M | $570.00M | $750.00M | $867.00M |
| QoQ Change | — | +29.1% | +7.1% | +31.6% | +15.6% |
| YoY Change | — | +29.1% | +7.1% | +31.6% | +15.6% |
Range$412.00M – $867.00M
CAGR+110.4%
Avg YoY Growth+20.9%
Median YoY Growth+22.4%
Current Streak4+ quarters growth
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Frequently Asked Questions
- What is The Hartford Financial Services Group's package business — ibnr reserves?
- The Hartford Financial Services Group (HIG) reported package business — ibnr reserves of $867.00M in Q4 2025.
- How has The Hartford Financial Services Group's package business — ibnr reserves changed year-over-year?
- The Hartford Financial Services Group's package business — ibnr reserves increased by 15.6% year-over-year, from $750.00M to $867.00M.
- What does package business — ibnr reserves mean?
- The estimated amount of money set aside for claims that have happened but haven't been reported yet.