Products & Services · IBNR
Reserves
Professional liability — IBNR Reserves
The Hartford Financial Services Group Professional liability — IBNR Reserves increased by 8.6% to $366.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 8.6%, from $337.00M to $366.00M. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityVolatile
First reportedQ4 2020
Last reportedQ4 2025
How to read this metric
An increase in IBNR often suggests that the company is anticipating higher future claim frequency or severity for existing policies.
Detailed definition
Incurred But Not Reported (IBNR) reserves represent the estimated liability for claims that have occurred but have not y...
Peer comparison
A critical actuarial metric for all insurance companies, especially those writing long-tail liability coverage.
Metric ID:
hig_segment_professional_liability_ibnr_reservesHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | $310.00M | $306.00M | $338.00M | $337.00M | $366.00M |
| QoQ Change | — | -1.3% | +10.5% | -0.3% | +8.6% |
| YoY Change | — | -1.3% | +10.5% | -0.3% | +8.6% |
Range$306.00M – $366.00M
CAGR+18.1%
Avg YoY Growth+4.4%
Median YoY Growth+4.2%
Similar Metrics at Other Companies
Frequently Asked Questions
- What is The Hartford Financial Services Group's professional liability — ibnr reserves?
- The Hartford Financial Services Group (HIG) reported professional liability — ibnr reserves of $366.00M in Q4 2025.
- How has The Hartford Financial Services Group's professional liability — ibnr reserves changed year-over-year?
- The Hartford Financial Services Group's professional liability — ibnr reserves increased by 8.6% year-over-year, from $337.00M to $366.00M.
- What does professional liability — ibnr reserves mean?
- The estimated amount set aside for claims that have happened but have not yet been reported to the insurer.