What does workers' compensation — 1st year mean?

Refers to the loss development or claim experience specifically for policies in their first year of maturity. This provides early insight into the initial loss ratio and underwriting performance of the most recent underwriting cohort.

The Hartford Financial Services Group HIG Workers' Compensation — 1st Year

Other product segments

Property Insurance

117.4%-0.2%

Personal automobile physical damage

93.3%+1.5%

Commercial automobile physical damage

80.7%+3.2%

Automobiles

45.7%-2.4%

Package Business

35.1%-2.0%

Assumed Reinsurance

23.4%-10.3%

Marine

22.6%-0.9%

Surety Product Line

10.2%-8.1%

Professional liability

5.3%0.0%

General Liability

2.4%-4.0%

Similar metrics at other companies

CNAWorkers' Compensation — Year 1

17.6%+0.8pp

UFCSCommercial workers' compensation — Year 1

34.4%+1.5pp

ORIWorkers' Compensation — Year 1

16.8%+0.3pp

PRA

PRAWorkers' Compensation Insurance — Historical claims duration, year 1 (percent)

35.1%+0.3pp

ORIWorkers' Compensation — Year 2

24.1%-0.2pp

AIGU.S. Workers' Compensation (before discount) — Year 1 (as a percent)

11%-0.9pp

Other financials

Income statement

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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 — 1st year?: The Hartford Financial Services Group (HIG) reported workers' compensation — 1st year of 14.9% in Q4 2025.
What does workers' compensation — 1st year mean?: Refers to the loss development or claim experience specifically for policies in their first year of maturity. This provides early insight into the initial loss ratio and underwriting performance of the most recent underwriting cohort.