What does workers' compensation — 10th year mean?

This metric tracks the adjustment to loss reserves for workers' compensation claims originating ten years prior to the current reporting period. It serves as a long-tail indicator of the company's ability to accurately forecast and settle complex, long-duration industrial injury claims. Consistent trends in this metric provide insight into the long-term profitability and actuarial stability of the workers' compensation book of business.

The Hartford Financial Services Group HIG Workers' Compensation — 10th Year

Other product segments

Surety Product Line

-4.9%-1,533%

General Liability

3.7%+517%

Package Business

1.1%-8.3%

Marine

0.7%+200%

Professional liability

0.7%+137%

Automobiles

0.2%+100%

Assumed Reinsurance

0.1%+125%

Property Insurance

0.1%+120%

Similar metrics at other companies

CNAWorkers' Compensation — Year 10

0%—

ORIWorkers' Compensation — Year 10

3.3%+2.8pp

CNAWorkers' Compensation — Year 9

0.8%-0.2pp

PRA

PRAWorkers' Compensation Insurance — Historical claims duration, year 10 (percent)

0.3%+0.2pp

SIGIWorkers Compensation — Short-duration insurance contracts, historical claims duration, year ten

0.6%-0.1pp

CNAWorkers' Compensation — Year 8

1.2%0.0pp

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

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTen.

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 workers' compensation — 10th year?: The Hartford Financial Services Group (HIG) reported workers' compensation — 10th year of 1.6% in Q4 2025.
What does workers' compensation — 10th year mean?: This metric tracks the adjustment to loss reserves for workers' compensation claims originating ten years prior to the current reporting period. It serves as a long-tail indicator of the company's ability to accurately forecast and settle complex, long-duration industrial injury claims. Consistent trends in this metric provide insight into the long-term profitability and actuarial stability of the workers' compensation book of business.