What does property insurance — 3rd year mean?

This metric tracks the loss development for the third year of an underwriting cohort, providing a more mature view of claim trends. By this stage, a significant portion of claims are typically reported, allowing for more reliable actuarial projections. It helps in assessing the long-term adequacy of reserves for that specific cohort.

The Hartford Financial Services Group HIG Property Insurance — 3rd Year

Other product segments

Automobiles

37.2%+2.2%

Professional liability

15.9%-3.6%

Marine

15.8%-6.0%

Assumed Reinsurance

14.7%+3.5%

Workers' Compensation

12.2%+0.8%

General Liability

12%+1.7%

Surety Product Line

11.8%+7.3%

Package Business

9.8%+2.1%

Commercial automobile physical damage

0.4%+300%

Personal automobile physical damage

-0.2%+50.0%

Similar metrics at other companies

EGProperty Insurance — Year three

24.2%+1.7pp

AXSInsurance — Year 3

15.3%—

GLREProperty — Year 3

8.8%+0.3pp

ESN

ESNTProperty Insurance Product Line — Year 3

29%+1.0pp

SPNTProperty Other — Year 3

41.4%+12.0pp

SPNTProperty Catastrophe — Year 3

44.1%-1.9pp

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

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 — 3rd year?: The Hartford Financial Services Group (HIG) reported property insurance — 3rd year of 9.4% in Q4 2025.
How has The Hartford Financial Services Group's property insurance — 3rd year changed year-over-year?: The Hartford Financial Services Group's property insurance — 3rd year decreased by 1.1% year-over-year, from 9.5% to 9.4%.
What does property insurance — 3rd year mean?: This metric tracks the loss development for the third year of an underwriting cohort, providing a more mature view of claim trends. By this stage, a significant portion of claims are typically reported, allowing for more reliable actuarial projections. It helps in assessing the long-term adequacy of reserves for that specific cohort.