What does professional liability — 10th year mean?

Represents the loss development for professional liability policies in their tenth year, marking the end of the typical primary development cycle. It provides a final assessment of the profitability and risk of the original underwriting cohort.

The Hartford Financial Services Group HIG Professional liability — 10th Year

Other product segments

Surety Product Line

-4.9%-1,533%

General Liability

3.7%+517%

Workers' Compensation

1.6%+23.1%

Package Business

1.1%-8.3%

Marine

0.7%+200%

Automobiles

0.2%+100%

Assumed Reinsurance

0.1%+125%

Property Insurance

0.1%+120%

Similar metrics at other companies

CNAMedical Professional Liability — Year 10

0.4%-1.2pp

CNAOther Professional Liability and Management Liability — Year 10

0.7%+0.1pp

ORIGeneral Liability — Year 10

2.5%+0.7pp

HMNAutomobile Liability — Year Ten

0%—

CNAMedical Professional Liability — Year 9

1.8%+0.7pp

CNAOther Professional Liability and Management Liability — Year 5

11.5%+1.0pp

Other financials

Income statement

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTen.

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 professional liability — 10th year?: The Hartford Financial Services Group (HIG) reported professional liability — 10th year of 0.7% in Q4 2025.
How has The Hartford Financial Services Group's professional liability — 10th year changed year-over-year?: The Hartford Financial Services Group's professional liability — 10th year increased by 136.8% year-over-year, from -1.9% to 0.7%.
What does professional liability — 10th year mean?: Represents the loss development for professional liability policies in their tenth year, marking the end of the typical primary development cycle. It provides a final assessment of the profitability and risk of the original underwriting cohort.