What does surety product line — 8th year mean?

Refers to the loss development or claims experience for policies in their eighth year of coverage. This represents the final tail of the loss development triangle for surety products.

The Hartford Financial Services Group HIG Surety Product Line — 8th Year

Other product segments

General Liability

7.8%+32.2%

Professional liability

2.5%-26.5%

Workers' Compensation

2.1%0.0%

Automobiles

1.7%+21.4%

Package Business

1.7%-19.0%

Property Insurance

0.3%0.0%

Assumed Reinsurance

-0.2%-125%

Marine

0%-100%

Similar metrics at other companies

CNASurety — Year 8

2.6%+2.4pp

CNASurety — Year 7

-0.9%-0.3pp

CNASurety — Year 9

0%—

CNASurety — Year 6

9.2%+3.0pp

CNASurety — Year 10

0%—

CNASurety — Year 5

6.3%+2.4pp

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

See full

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

See full

Operating cash flow$1.0B+6.1%

CapEx$31.0M-18.4%

Free cash flow$1.0B+7.1%

Valuation

See full

Market cap$36.7B+2.1%

Enterprise value$40.91B+1.9%

P/E9×-2.0×

P/S1.3×0.0×

Profitability

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearEight.

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 — 8th year?: The Hartford Financial Services Group (HIG) reported surety product line — 8th year of -2.8% in Q4 2025.
How has The Hartford Financial Services Group's surety product line — 8th year changed year-over-year?: The Hartford Financial Services Group's surety product line — 8th year increased by 64.1% year-over-year, from -7.8% to -2.8%.
What does surety product line — 8th year mean?: Refers to the loss development or claims experience for policies in their eighth year of coverage. This represents the final tail of the loss development triangle for surety products.