What does property insurance — 4th year mean?

This metric tracks the loss development for the fourth year of an underwriting cohort, reflecting the ongoing settlement process for claims. It is used to validate the accuracy of earlier reserve estimates and to identify any long-tail claim trends. This stage is critical for finalizing the profitability assessment of the cohort.

The Hartford Financial Services Group HIG Property Insurance — 4th Year

Other product segments

Automobiles

25.3%+1.2%

General Liability

16.7%+0.6%

Professional liability

11.9%+0.8%

Package Business

9.3%0.0%

Workers' Compensation

8.3%+2.5%

Marine

7.9%+5.3%

Assumed Reinsurance

7.3%+7.4%

Surety Product Line

6.7%-22.1%

Similar metrics at other companies

AXSInsurance — Year 4

14.8%—

EGProperty Insurance — Year four

14%-0.6pp

ESN

ESNTProperty Insurance Product Line — Year 4

9%-1.0pp

GLREProperty — Year 4

3.8%+0.3pp

AFGProperty and casualty insurance — Year 4

12.3%-4.1pp

RLIProperty Insurance — Shortduration Insurance Contracts Historical Claims Duration Year Four

4.5%+0.6pp

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

See full

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

See full

Operating cash flow$1.0B+6.1%

CapEx$31.0M-18.4%

Free cash flow$1.0B+7.1%

Valuation

See full

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

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

The official record: The Hartford Financial Services Group’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

Ask your AI about The Hartford Financial Services Group's property insurance — 4th year.

Connect your AI assistant and compare segments, right in your chat.

Connect your AI

Claude

Questions, answered.

What is The Hartford Financial Services Group's property insurance — 4th year?: The Hartford Financial Services Group (HIG) reported property insurance — 4th year of 5% in Q4 2025.
How has The Hartford Financial Services Group's property insurance — 4th year changed year-over-year?: The Hartford Financial Services Group's property insurance — 4th year increased by 28.2% year-over-year, from 3.9% to 5%.
What does property insurance — 4th year mean?: This metric tracks the loss development for the fourth year of an underwriting cohort, reflecting the ongoing settlement process for claims. It is used to validate the accuracy of earlier reserve estimates and to identify any long-tail claim trends. This stage is critical for finalizing the profitability assessment of the cohort.