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The Hartford Financial Services Group HIG Property Insurance — Unpaid losses and loss adjustment expenses

Other product segments

Workers' Compensation
$14.87B+3.4%
Automobiles
$3.67B+7.5%
Package Business
$3.01B+15.0%
Professional liability
$2.26B+3.2%
Assumed Reinsurance
$954M+21.1%
Marine
$598M+1.9%
Short-Duration Insurance, Other
$548M+6.0%
Other operations
$459M-9.5%
Surety Product Line
$433M-5.3%
Personal automobile physical damage
$65M-16.7%
Commercial automobile physical damage
$28M-9.7%

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LMNDProperty Insurance — Unpaid losses and loss adjustment expenses
$193.5M+0.2%
Employers Holdings logo
EIGInsurance Operations — Unpaid losses and loss adjustment expenses
$1.81B-0.1%
Markel logo
MKLUnderwriting Operations — Unpaid losses and loss adjustment expenses
$22.1B
Everest Group logo
EGProperty Insurance — Liabilities for unpaid claims and claim adjustment expenses, net of reinsurance
840,600,000,000%+161,600,000,000pp
ASI
ASICProperty — Liabilities for unpaid losses and allocated loss adjustment expenses, net of reinsurance
$60.37M
American International Group logo
AIGLiability for unpaid losses and loss adjustment expenses
$41.67B+4.1%

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/E-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:LiabilityForClaimsAndClaimsAdjustmentExpense.

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 — unpaid losses and loss adjustment expenses?
The Hartford Financial Services Group (HIG) reported property insurance — unpaid losses and loss adjustment expenses of $1.31B in Q4 2025.
How has The Hartford Financial Services Group's property insurance — unpaid losses and loss adjustment expenses changed year-over-year?
The Hartford Financial Services Group's property insurance — unpaid losses and loss adjustment expenses decreased by 0.5% year-over-year, from $1.32B to $1.31B.
What does property insurance — unpaid losses and loss adjustment expenses mean?
This is the gross estimate of all future payments required to settle claims and the associated costs of adjustment, before accounting for reinsurance. It provides the total view of the company's gross underwriting exposure.