Products & Services · 2nd Year
Surety Product Line — 2nd Year
The Hartford Financial Services Group Surety Product Line — 2nd Year increased by 4.9% to 27.7% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 4.9%, from 26.4% to 27.7%. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
Changes in second-year loss development indicate the accuracy of initial reserve estimates and the maturity of the risk portfolio.
Detailed definition
Refers to the loss development or claims experience for policies in their second year of coverage. This helps actuaries...
Peer comparison
Standard actuarial cohort analysis used by all major insurance companies to track loss development patterns.
Metric ID:
hig_segment_surety_product_line_2nd_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 22.2% | 22.6% | 24.9% | 26.4% | 27.7% |
| QoQ Change | — | +1.8% | +10.2% | +6.0% | +4.9% |
| YoY Change | — | +1.8% | +10.2% | +6.0% | +4.9% |
Range22.2% – 27.7%
CAGR+24.8%
Avg YoY Growth+5.7%
Median YoY Growth+5.5%
Current Streak4+ quarters growth
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Frequently Asked Questions
- What is The Hartford Financial Services Group's surety product line — 2nd year?
- The Hartford Financial Services Group (HIG) reported surety product line — 2nd year of 27.7% in Q4 2025.
- How has The Hartford Financial Services Group's surety product line — 2nd year changed year-over-year?
- The Hartford Financial Services Group's surety product line — 2nd year increased by 4.9% year-over-year, from 26.4% to 27.7%.
- What does surety product line — 2nd year mean?
- The claims performance and loss data for policies during their second year of coverage.