What does professional liability — 7th year mean?

Captures the loss development for professional liability policies in their seventh year of maturity. By this stage, most claims are settled, making this a measure of final reserve accuracy.

The Hartford Financial Services Group HIG Professional liability — 7th Year

Other product segments

General Liability

9.6%+5.5%

Automobiles

5.9%+22.9%

Package Business

3.8%+15.2%

Workers' Compensation

2.8%-3.4%

Marine

0.8%0.0%

Assumed Reinsurance

-0.5%+50.0%

Property Insurance

0.4%+300%

Surety Product Line

-0.3%+81.3%

Similar metrics at other companies

CNAMedical Professional Liability — Year 7

6.1%+0.4pp

CNAOther Professional Liability and Management Liability — Year 7

5.8%+0.2pp

HMNAutomobile Liability — Year Seven

0.5%0.0pp

ORIGeneral Liability — Year 7

6.5%+0.7pp

CNAOther Professional Liability and Management Liability — Year 6

7.3%+0.4pp

WRBProfessional liability — Average annual percentage payout of incurred claims by age, net of reinsurance, Year 7

8%+1.3pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSeven.

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 — 7th year?: The Hartford Financial Services Group (HIG) reported professional liability — 7th year of 8.1% in Q4 2025.
How has The Hartford Financial Services Group's professional liability — 7th year changed year-over-year?: The Hartford Financial Services Group's professional liability — 7th year decreased by 9.0% year-over-year, from 8.9% to 8.1%.
What does professional liability — 7th year mean?: Captures the loss development for professional liability policies in their seventh year of maturity. By this stage, most claims are settled, making this a measure of final reserve accuracy.