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The Hartford Financial Services Group HIG Surety Product Line — IBNR
Reserves

Other product segments

General Liability
$1.63B+19.0%
Workers' Compensation
$1.56B+1.8%
Automobiles
$1.25B+11.0%
Package Business
$867M+15.6%
Professional liability
$366M+8.6%
Assumed Reinsurance
$322M+8.4%
Property Insurance
$271M-15.8%
Marine
$78M-6.0%
Personal automobile physical damage
$10M-64.3%
Commercial automobile physical damage
$7M-12.5%

Similar metrics at other companies

CNA Financial logo
CNASurety — IBNR
45,600,000,000%+2,900,000,000pp
CNA Financial logo
CNASpecialty — Gross IBNR Reserves
$5.62B+4.0%
American International Group logo
AIGReserve for Incurred But Not Reported (IBNR) Claims
$334M-15.4%
CNA Financial logo
CNASpecialty — Net IBNR Reserves
$4.39B+2.5%
Brighthouse Financial logo
BHFReserve for Incurred But Not Reported (IBNR) Claims
$3.99B+3.3%
U-Haul Holding logo
UHALReserve for Incurred But Not Reported (IBNR) Claims
$2.9M-61.5%

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

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:ShortdurationInsuranceContractsIncurredButNotReportedIbnrClaimsLiabilityNet.

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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reserves.

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Questions, answered.

What is The Hartford Financial Services Group's surety product line — ibnr
reserves?
The Hartford Financial Services Group (HIG) reported surety product line — ibnr
reserves of $70M in Q4 2025.
How has The Hartford Financial Services Group's surety product line — ibnr
reserves changed year-over-year?
The Hartford Financial Services Group's surety product line — ibnr
reserves decreased by 10.3% year-over-year, from $78M to $70M.
What does surety product line — ibnr
reserves mean?
Represents the estimated liability for claims that have occurred but have not yet been reported to the insurer. This reserve is critical for maintaining solvency and accurately reflecting the long-term cost of surety obligations.