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The Hartford Financial Services Group HIG Professional liability — IBNR
Reserves

Other product segments

General Liability
$1.63B+19.0%
Workers' Compensation
$1.56B+1.8%
Automobiles
$1.25B+11.0%
Package Business
$867M+15.6%
Assumed Reinsurance
$322M+8.4%
Property Insurance
$271M-15.8%
Marine
$78M-6.0%
Surety Product Line
$70M-10.3%
Personal automobile physical damage
$10M-64.3%
Commercial automobile physical damage
$7M-12.5%

Similar metrics at other companies

CNA Financial logo
CNAOther Professional Liability and Management Liability — IBNR
268,900,000,000%+100,000,000pp
CNA Financial logo
CNAGeneral Liability — IBNR
341,000,000,000%+19,500,000,000pp
American International Group logo
AIGReserve for Incurred But Not Reported (IBNR) Claims
$334M-15.4%
CNA Financial logo
CNAMedical Professional Liability — IBNR
92,000,000,000%+400,000,000pp
Principal Financial Group logo
PFGReserve for Incurred But Not Reported (IBNR) Claims
$950.4M+1.8%
U-Haul Holding logo
UHALReserve for Incurred But Not Reported (IBNR) Claims
$2.9M-61.5%

Other financials

Income statement

See full
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:ShortdurationInsuranceContractsIncurredButNotReportedIbnrClaimsLiabilityNet.

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 — ibnr
reserves?
The Hartford Financial Services Group (HIG) reported professional liability — ibnr
reserves of $366M 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 $337M to $366M.
What does professional liability — ibnr
reserves mean?
Incurred But Not Reported (IBNR) reserves represent the estimated liability for claims that have occurred but have not yet been formally reported to the company. Because professional liability is a long-tail line, these reserves are a significant component of the total liability. This metric reflects the actuarial estimate of latent risk within the current portfolio.