Products & Services · 4th Year
Surety Product Line — 4th Year
The Hartford Financial Services Group Surety Product Line — 4th Year decreased by 22.1% to 6.7% in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 22.1%, from 8.6% to 6.7%. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityStable
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
Significant deviations in fourth-year development can signal unexpected long-term liability trends or reserve deficiencies.
Detailed definition
Refers to the loss development or claims experience for policies in their fourth year of coverage. This data point is us...
Peer comparison
Standard actuarial cohort analysis used by all major insurance companies to track loss development patterns.
Metric ID:
hig_segment_surety_product_line_4th_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 4.6% | 6.1% | 6.8% | 8.6% | 6.7% |
| QoQ Change | — | +32.6% | +11.5% | +26.5% | -22.1% |
| YoY Change | — | +32.6% | +11.5% | +26.5% | -22.1% |
Range4.6% – 8.6%
CAGR+45.7%
Avg YoY Growth+12.1%
Median YoY Growth+19.0%
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Frequently Asked Questions
- What is The Hartford Financial Services Group's surety product line — 4th year?
- The Hartford Financial Services Group (HIG) reported surety product line — 4th year of 6.7% in Q4 2025.
- How has The Hartford Financial Services Group's surety product line — 4th year changed year-over-year?
- The Hartford Financial Services Group's surety product line — 4th year decreased by 22.1% year-over-year, from 8.6% to 6.7%.
- What does surety product line — 4th year mean?
- The claims performance and loss data for policies during their fourth year of coverage.