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The Hartford Financial Services Group HIG Package Business — IBNR
Reserves

Other product segments

General Liability
$1.63B+19.0%
Workers' Compensation
$1.56B+1.8%
Automobiles
$1.25B+11.0%
Professional liability
$366M+8.6%
Assumed Reinsurance
$322M+8.4%
Property Insurance
$271M-15.8%
Marine
$78M-6.0%
Surety Product Line
$70M-10.3%
Personal automobile physical damage
$10M-64.3%
Commercial automobile physical damage
$7M-12.5%

Similar metrics at other companies

American International Group logo
AIGReserve for Incurred But Not Reported (IBNR) Claims
$334M-15.4%
Selective Insurance Group logo
SIGIBusinessowners’ policies — IBNR
$37.75M+18.5%
Hamilton Insurance Group, Ltd. logo
HGInternational - Property — IBNR
$82.47M+6.3%
Principal Financial Group logo
PFGReserve for Incurred But Not Reported (IBNR) Claims
$950.4M+1.8%
CNA Financial logo
CNACorporate & Other — Net IBNR Reserves
$238M-11.2%
Globe Life logo
GLReserve for Incurred But Not Reported (IBNR) Claims
$576.45M+24.5%

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

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:ShortdurationInsuranceContractsIncurredButNotReportedIbnrClaimsLiabilityNet.

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 — ibnr
reserves?
The Hartford Financial Services Group (HIG) reported package business — ibnr
reserves of $867M 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 $750M to $867M.
What does package business — ibnr
reserves mean?
Represents the estimated liability for claims that have occurred but have not yet been reported to the insurer for the package business segment. This reserve is critical for assessing the long-term adequacy of capital set aside for future claim settlements.