What does surety product line — 7th year mean?

Refers to the loss development or claims experience for policies in their seventh year of coverage. This tracks the final resolution phase of older policy cohorts.

The Hartford Financial Services Group HIG Surety Product Line — 7th Year

Other product segments

General Liability

9.6%+5.5%

Professional liability

8.1%-9.0%

Automobiles

5.9%+22.9%

Package Business

3.8%+15.2%

Workers' Compensation

2.8%-3.4%

Marine

0.8%0.0%

Assumed Reinsurance

-0.5%+50.0%

Property Insurance

0.4%+300%

Similar metrics at other companies

CNASurety — Year 7

-0.9%-0.3pp

CNASurety — Year 6

9.2%+3.0pp

RLISurety Insurance — Short Duration Insurance Contracts Historical Claim Duration Year Seven

-8.4%-16.4pp

RGALife Insurance Product Line — Short-duration Insurance Contracts, Historical Claims Duration, Year Seven

5.4%+0.4pp

CNASurety — Year 5

6.3%+2.4pp

ACGLThird party occurrence business — Year Seven

6.1%+0.6pp

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/E9×-2.0×

P/S1.3×0.0×

Profitability

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Net margin14.1%+3.0pp

FCF margin20.2%-0.8pp

Returns & leverage

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSeven.

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 surety product line — 7th year?: The Hartford Financial Services Group (HIG) reported surety product line — 7th year of -0.3% in Q4 2025.
How has The Hartford Financial Services Group's surety product line — 7th year changed year-over-year?: The Hartford Financial Services Group's surety product line — 7th year increased by 81.3% year-over-year, from -1.6% to -0.3%.
What does surety product line — 7th year mean?: Refers to the loss development or claims experience for policies in their seventh year of coverage. This tracks the final resolution phase of older policy cohorts.