Products & Services · 1st Year
Surety Product Line — 1st Year
The Hartford Financial Services Group Surety Product Line — 1st Year decreased by 8.1% to 10.2% in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 8.1%, from 11.1% to 10.2%. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
High first-year losses may indicate aggressive underwriting or poor initial risk selection.
Detailed definition
Refers to the loss development or claims experience specifically for policies in their first year of coverage. This capt...
Peer comparison
Standard actuarial cohort analysis used by all major insurance companies to track loss development patterns.
Metric ID:
hig_segment_surety_product_line_1st_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 12.2% | 11.3% | 11.7% | 11.1% | 10.2% |
| QoQ Change | — | -7.4% | +3.5% | -5.1% | -8.1% |
| YoY Change | — | -7.4% | +3.5% | -5.1% | -8.1% |
Range10.2% – 12.2%
CAGR-16.4%
Avg YoY Growth-4.3%
Median YoY Growth-6.3%
Current Streak2 quarters decline
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Frequently Asked Questions
- What is The Hartford Financial Services Group's surety product line — 1st year?
- The Hartford Financial Services Group (HIG) reported surety product line — 1st year of 10.2% in Q4 2025.
- How has The Hartford Financial Services Group's surety product line — 1st year changed year-over-year?
- The Hartford Financial Services Group's surety product line — 1st year decreased by 8.1% year-over-year, from 11.1% to 10.2%.
- What does surety product line — 1st year mean?
- The claims performance and loss data for policies during their first year of coverage.