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The Hartford Financial Services Group HIG Property Insurance — IBNR
Reserves

Other product segments

General Liability
162,600,000,000%+19.0%
Workers' Compensation
156,300,000,000%+1.8%
Automobiles
124,700,000,000%+11.0%
Package Business
86,700,000,000%+15.6%
Professional liability
36,600,000,000%+8.6%
Assumed Reinsurance
32,200,000,000%+8.4%
Marine
7,800,000,000%-6.0%
Surety Product Line
7,000,000,000%-10.3%
Personal automobile physical damage
1,000,000,000%-64.3%
Commercial automobile physical damage
700,000,000%-12.5%

Similar metrics at other companies

Lemonade logo
LMNDProperty Insurance — IBNR
$64.6M+15.8%
Hamilton Insurance Group, Ltd. logo
HGInternational - Property — IBNR
$82.47M+6.3%
Allstate logo
ALLAuto Insurance Liability Coverage — IBNR reserves plus expected development on reported claims
$10.64B-0.3%
Selective Insurance Group logo
SIGICommercial property — IBNR
$53.81M-16.7%
American International Group logo
AIGReserve for Incurred But Not Reported (IBNR) Claims
$334M-15.4%
U-Haul Holding logo
UHALReserve for Incurred But Not Reported (IBNR) Claims
$2.9M-61.5%

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: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 property insurance — ibnr
reserves?
The Hartford Financial Services Group (HIG) reported property insurance — ibnr
reserves of 27,100,000,000% in Q4 2025.
How has The Hartford Financial Services Group's property insurance — ibnr
reserves changed year-over-year?
The Hartford Financial Services Group's property insurance — ibnr
reserves decreased by 15.8% year-over-year, from 32,200,000,000% to 27,100,000,000%.
What does property insurance — ibnr
reserves mean?
This represents the estimated liability for claims that have occurred but have not yet been reported to the insurer by the end of the reporting period. It is a critical actuarial estimate used to ensure the company maintains sufficient capital to cover future obligations. Accurate estimation is vital for maintaining the financial solvency and stability of the insurance segment.