Products & Services · 3rd Year
Professional liability — 3rd Year
The Hartford Financial Services Group Professional liability — 3rd Year decreased by 3.6% to 15.9% in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 3.6%, from 16.5% to 15.9%. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ4 2020
Last reportedQ4 2025
How to read this metric
Stable or negative development suggests conservative reserving, while positive development indicates potential loss creep.
Detailed definition
Tracks the loss development and claim activity for professional liability policies in their third year of existence. Thi...
Peer comparison
Standard actuarial metric for evaluating long-tail liability reserve stability.
Metric ID:
hig_segment_professional_liability_3rd_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 18.7% | 18.6% | 18.1% | 16.5% | 15.9% |
| QoQ Change | — | -0.5% | -2.7% | -8.8% | -3.6% |
| YoY Change | — | -0.5% | -2.7% | -8.8% | -3.6% |
Range15.9% – 18.7%
CAGR-15.0%
Avg YoY Growth-3.9%
Median YoY Growth-3.2%
Current Streak4+ quarters decline
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Frequently Asked Questions
- What is The Hartford Financial Services Group's professional liability — 3rd year?
- The Hartford Financial Services Group (HIG) reported professional liability — 3rd year of 15.9% in Q4 2025.
- How has The Hartford Financial Services Group's professional liability — 3rd year changed year-over-year?
- The Hartford Financial Services Group's professional liability — 3rd year decreased by 3.6% year-over-year, from 16.5% to 15.9%.
- What does professional liability — 3rd year mean?
- The claims experience for professional liability policies in their third year.