What does professional liability — 1st year mean?

Represents the net incurred claims and loss development for professional liability policies during their first year of coverage. This metric reflects the initial underwriting performance and early-stage claim frequency for this specific insurance product line.

The Hartford Financial Services Group HIG Professional liability — 1st Year

Other product segments

Property Insurance

117.4%-0.2%

Personal automobile physical damage

93.3%+1.5%

Commercial automobile physical damage

80.7%+3.2%

Automobiles

45.7%-2.4%

Package Business

35.1%-2.0%

Assumed Reinsurance

23.4%-10.3%

Marine

22.6%-0.9%

Workers' Compensation

14.9%+0.7%

Surety Product Line

10.2%-8.1%

General Liability

2.4%-4.0%

Similar metrics at other companies

CNAOther Professional Liability and Management Liability — Year 1

6.4%-0.1pp

CNAMedical Professional Liability — Year 1

3.6%0.0pp

KMPRPreferred Personal Automobile Insurance—Liability — Year 1

30.8%+0.3pp

ORIGeneral Liability — Year 1

4.4%-0.3pp

UFCSCommercial other liability — Year 1

7.1%-0.5pp

WRBProfessional liability — Average annual percentage payout of incurred claims by age, net of reinsurance, Year 1

7.5%+0.2pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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 — 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?: Represents the net incurred claims and loss development for professional liability policies during their first year of coverage. This metric reflects the initial underwriting performance and early-stage claim frequency for this specific insurance product line.