Products & Services · 3rd Year
Surety Product Line — 3rd Year
The Hartford Financial Services Group Surety Product Line — 3rd Year increased by 7.3% to 11.8% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 7.3%, from 11.0% to 11.8%. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityStable
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
Consistent performance in the third year suggests stable underwriting and predictable long-term loss patterns.
Detailed definition
Refers to the loss development or claims experience for policies in their third year of coverage. At this stage, the cla...
Peer comparison
Standard actuarial cohort analysis used by all major insurance companies to track loss development patterns.
Metric ID:
hig_segment_surety_product_line_3rd_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 10.3% | 12.3% | 9.4% | 11% | 11.8% |
| QoQ Change | — | +19.4% | -23.6% | +17.0% | +7.3% |
| YoY Change | — | +19.4% | -23.6% | +17.0% | +7.3% |
Range9.4% – 12.3%
CAGR+14.6%
Avg YoY Growth+5.0%
Median YoY Growth+12.1%
Current Streak2 quarters growth
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Frequently Asked Questions
- What is The Hartford Financial Services Group's surety product line — 3rd year?
- The Hartford Financial Services Group (HIG) reported surety product line — 3rd year of 11.8% in Q4 2025.
- How has The Hartford Financial Services Group's surety product line — 3rd year changed year-over-year?
- The Hartford Financial Services Group's surety product line — 3rd year increased by 7.3% year-over-year, from 11.0% to 11.8%.
- What does surety product line — 3rd year mean?
- The claims performance and loss data for policies during their third year of coverage.