Products & Services · 2nd Year
Professional liability — 2nd Year
The Hartford Financial Services Group Professional liability — 2nd Year increased by 3.7% to 16.7% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 3.7%, from 16.1% to 16.7%. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ4 2020
Last reportedQ4 2025
How to read this metric
Decreasing development indicates reserve adequacy, while increasing development suggests under-reserved liabilities.
Detailed definition
Measures the cumulative loss development and claim adjustments for professional liability policies in their second year...
Peer comparison
Commonly tracked in actuarial loss triangles for long-tail insurance lines.
Metric ID:
hig_segment_professional_liability_2nd_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 18.4% | 17.4% | 16.5% | 16.1% | 16.7% |
| QoQ Change | — | -5.4% | -5.2% | -2.4% | +3.7% |
| YoY Change | — | -5.4% | -5.2% | -2.4% | +3.7% |
Range16.1% – 18.4%
CAGR-9.2%
Avg YoY Growth-2.3%
Median YoY Growth-3.8%
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Frequently Asked Questions
- What is The Hartford Financial Services Group's professional liability — 2nd year?
- The Hartford Financial Services Group (HIG) reported professional liability — 2nd year of 16.7% in Q4 2025.
- How has The Hartford Financial Services Group's professional liability — 2nd year changed year-over-year?
- The Hartford Financial Services Group's professional liability — 2nd year increased by 3.7% year-over-year, from 16.1% to 16.7%.
- What does professional liability — 2nd year mean?
- The claims development for professional liability policies during their second year.