Products & Services · 1st Year
Professional liability — 1st Year
The Hartford Financial Services Group Professional liability — 1st Year remained flat by 0.0% to 5.3% in Q4 2025 compared to the prior quarter. Year-over-year, this metric was flat by 0.0%, from 5.3% to 5.3%. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryProfitability
SignalLower is better
VolatilityModerate
First reportedQ4 2020
Last reportedQ4 2025
How to read this metric
Lower claims indicate better initial underwriting accuracy, while higher claims suggest adverse selection or pricing inadequacy.
Detailed definition
Represents the net incurred claims and loss development for professional liability policies during their first year of c...
Peer comparison
Standard across P&C insurers as 'accident year 1' loss development.
Metric ID:
hig_segment_professional_liability_1st_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 5.3% | 5% | 5% | 5.3% | 5.3% |
| QoQ Change | — | -5.7% | +0.0% | +6.0% | +0.0% |
| YoY Change | — | -5.7% | +0.0% | +6.0% | +0.0% |
Range5% – 5.3%
CAGR+0.0%
Avg YoY Growth+0.1%
Median YoY Growth+0.0%
Current Streak3 quarters growth
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Frequently Asked Questions
- What is The Hartford Financial Services Group's professional liability — 1st year?
- The Hartford Financial Services Group (HIG) reported professional liability — 1st year of 5.3% in Q4 2025.
- How has The Hartford Financial Services Group's professional liability — 1st year changed year-over-year?
- The Hartford Financial Services Group's professional liability — 1st year decreased by 0.0% year-over-year, from 5.3% to 5.3%.
- What does professional liability — 1st year mean?
- The initial claims experience for professional liability policies in their first year.