What does professional liability — 9th year mean?

Tracks the loss development for professional liability policies in their ninth year. This metric is used to evaluate the finality of claims and the accuracy of long-term reserve estimates.

The Hartford Financial Services Group HIG Professional liability — 9th Year

Other product segments

General Liability

6.2%+67.6%

Marine

-1.6%-6.7%

Workers' Compensation

1.5%-11.8%

Package Business

1%-28.6%

Automobiles

0.6%-33.3%

Surety Product Line

-0.4%-33.3%

Assumed Reinsurance

-0.3%-400%

Property Insurance

-0.1%0.0%

Similar metrics at other companies

CNAMedical Professional Liability — Year 9

1.8%+0.7pp

CNAOther Professional Liability and Management Liability — Year 9

3.5%+1.0pp

CNAOther Professional Liability and Management Liability — Year 6

7.3%+0.4pp

CNAOther Professional Liability and Management Liability — Year 8

4.7%-1.4pp

HMNAutomobile Liability — Year Nine

0.1%0.0pp

CNAOther Professional Liability and Management Liability — Year 3

19.8%+0.6pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearNine.

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 — 9th year?: The Hartford Financial Services Group (HIG) reported professional liability — 9th year of 0.9% in Q4 2025.
How has The Hartford Financial Services Group's professional liability — 9th year changed year-over-year?: The Hartford Financial Services Group's professional liability — 9th year decreased by 62.5% year-over-year, from 2.4% to 0.9%.
What does professional liability — 9th year mean?: Tracks the loss development for professional liability policies in their ninth year. This metric is used to evaluate the finality of claims and the accuracy of long-term reserve estimates.