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The Hartford Financial Services Group HIG Workers' Compensation — IBNR
Reserves

Other product segments

General Liability
$1.63B+19.0%
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%
Surety Product Line
$70M-10.3%
Personal automobile physical damage
$10M-64.3%
Commercial automobile physical damage
$7M-12.5%

Similar metrics at other companies

CNA Financial logo
CNAWorkers' Compensation — IBNR
118,200,000,000%-3,400,000,000pp
Selective Insurance Group logo
SIGIWorkers Compensation — IBNR
$124.79M+15.6%
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%
PRA
PRAWorkers' Compensation Insurance — Incurred but Not Reported Liabilities (IBNR)
$36.05M-8.5%
Jackson Financial logo
JXNReserve for Incurred But Not Reported (IBNR) Claims
$68.7B+16.4%

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: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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Questions, answered.

What is The Hartford Financial Services Group's workers' compensation — ibnr
reserves?
The Hartford Financial Services Group (HIG) reported workers' compensation — ibnr
reserves of $1.56B in Q4 2025.
What does workers' compensation — 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 financial obligations of the workers' compensation insurance portfolio.