What does property insurance — 1st year mean?

This metric tracks the development of claims and loss reserves for policies issued in the first year of a specific underwriting cohort. It provides early insight into the initial loss experience and the accuracy of the original pricing models. Analyzing this helps the company adjust its underwriting strategy for subsequent policy years.

The Hartford Financial Services Group HIG Property Insurance — 1st Year

Other product segments

Personal automobile physical damage

93.3%+1.5%

Commercial automobile physical damage

80.7%+3.2%

Automobiles

45.7%-2.4%

Package Business

35.1%-2.0%

Assumed Reinsurance

23.4%-10.3%

Marine

22.6%-0.9%

Workers' Compensation

14.9%+0.7%

Surety Product Line

10.2%-8.1%

Professional liability

5.3%0.0%

General Liability

2.4%-4.0%

Similar metrics at other companies

EGProperty Insurance — Year one

79.1%-0.1pp

AXSInsurance — Year 1

29.5%—

GLREProperty — Year 1

48.1%-1.2pp

ESN

ESNTProperty Insurance Product Line — Year 1

9%-1.0pp

AFGProperty and casualty insurance — Year 1

52%-0.2pp

SPNTProperty Catastrophe — Year 1

25.2%+14.8pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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 property insurance — 1st year?: The Hartford Financial Services Group (HIG) reported property insurance — 1st year of 117.4% in Q4 2025.
How has The Hartford Financial Services Group's property insurance — 1st year changed year-over-year?: The Hartford Financial Services Group's property insurance — 1st year decreased by 0.2% year-over-year, from 117.6% to 117.4%.
What does property insurance — 1st year mean?: This metric tracks the development of claims and loss reserves for policies issued in the first year of a specific underwriting cohort. It provides early insight into the initial loss experience and the accuracy of the original pricing models. Analyzing this helps the company adjust its underwriting strategy for subsequent policy years.