Products & Services · 4th Year
Professional liability — 4th Year
The Hartford Financial Services Group Professional liability — 4th Year increased by 0.8% to 11.9% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 0.8%, from 11.8% to 11.9%. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityStable
First reportedQ4 2020
Last reportedQ4 2025
How to read this metric
Consistent development patterns help investors assess the reliability of the company's long-term loss projections.
Detailed definition
Reflects the ongoing loss development for professional liability policies in their fourth year of maturity. It provides...
Peer comparison
Comparable to loss development factors used by peer insurance companies.
Metric ID:
hig_segment_professional_liability_4th_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 14.3% | 13.9% | 13.2% | 11.8% | 11.9% |
| QoQ Change | — | -2.8% | -5.0% | -10.6% | +0.8% |
| YoY Change | — | -2.8% | -5.0% | -10.6% | +0.8% |
Range11.8% – 14.3%
CAGR-16.8%
Avg YoY Growth-4.4%
Median YoY Growth-3.9%
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Frequently Asked Questions
- What is The Hartford Financial Services Group's professional liability — 4th year?
- The Hartford Financial Services Group (HIG) reported professional liability — 4th year of 11.9% in Q4 2025.
- How has The Hartford Financial Services Group's professional liability — 4th year changed year-over-year?
- The Hartford Financial Services Group's professional liability — 4th year increased by 0.8% year-over-year, from 11.8% to 11.9%.
- What does professional liability — 4th year mean?
- The claims development for professional liability policies in their fourth year.