Products & Services · 5th Year
Professional liability — 5th Year
The Hartford Financial Services Group Professional liability — 5th Year increased by 1.0% to 9.7% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 1.0%, from 9.6% to 9.7%. 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
Low development indicates effective long-term reserve management and stable underwriting results.
Detailed definition
Measures the claim development for professional liability policies in their fifth year, helping to validate the adequacy...
Peer comparison
Standard benchmark for long-tail insurance reserve maturity.
Metric ID:
hig_segment_professional_liability_5th_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 10.8% | 11.7% | 10.7% | 9.6% | 9.7% |
| QoQ Change | — | +8.3% | -8.5% | -10.3% | +1.0% |
| YoY Change | — | +8.3% | -8.5% | -10.3% | +1.0% |
Range9.6% – 11.7%
CAGR-10.2%
Avg YoY Growth-2.4%
Median YoY Growth-3.8%
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Frequently Asked Questions
- What is The Hartford Financial Services Group's professional liability — 5th year?
- The Hartford Financial Services Group (HIG) reported professional liability — 5th year of 9.7% in Q4 2025.
- How has The Hartford Financial Services Group's professional liability — 5th year changed year-over-year?
- The Hartford Financial Services Group's professional liability — 5th year increased by 1.0% year-over-year, from 9.6% to 9.7%.
- What does professional liability — 5th year mean?
- The claims development for professional liability policies in their fifth year.