Products & Services · Unpaid losses and loss adjustment expenses
Package Business — Unpaid losses and loss adjustment expenses
The Hartford Financial Services Group Package Business — Unpaid losses and loss adjustment expenses increased by 15.0% to $3.01B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 15.0%, from $2.62B to $3.01B. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ4 2016
Last reportedQ1 2026
Rolls up toReserve for insurance claims
How to read this metric
Rising gross unpaid losses suggest increased claim frequency or severity, requiring careful monitoring of underwriting discipline.
Detailed definition
The gross estimated cost of all unpaid claims and the associated expenses to settle them, before accounting for reinsura...
Peer comparison
Standard 'Gross Loss Reserves' reported by insurance entities.
Metric ID:
hig_segment_package_business_unpaid_losses_and_loss_adjustment_expensesHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | $2.01B | $2.20B | $2.34B | $2.62B | $3.01B |
| QoQ Change | — | +9.3% | +6.1% | +12.2% | +15.0% |
| YoY Change | — | +9.3% | +6.1% | +12.2% | +15.0% |
Range$2.01B – $3.01B
CAGR+49.6%
Avg YoY Growth+10.6%
Median YoY Growth+10.8%
Current Streak4+ quarters growth
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Frequently Asked Questions
- What is The Hartford Financial Services Group's package business — unpaid losses and loss adjustment expenses?
- The Hartford Financial Services Group (HIG) reported package business — unpaid losses and loss adjustment expenses of $3.01B in Q4 2025.
- How has The Hartford Financial Services Group's package business — unpaid losses and loss adjustment expenses changed year-over-year?
- The Hartford Financial Services Group's package business — unpaid losses and loss adjustment expenses increased by 15.0% year-over-year, from $2.62B to $3.01B.
- What does package business — unpaid losses and loss adjustment expenses mean?
- The total gross estimated cost to settle all outstanding claims and related expenses.