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The Hartford Financial Services Group HIG Workers' Compensation — Unpaid losses and loss adjustment expenses

Other product segments

Automobiles
$3.67B+7.5%
Package Business
$3.01B+15.0%
Professional liability
$2.26B+3.2%
Property Insurance
$1.31B-0.5%
Assumed Reinsurance
$954M+21.1%
Marine
$598M+1.9%
Short-Duration Insurance, Other
$548M+6.0%
Other operations
$459M-9.5%
Surety Product Line
$433M-5.3%
Personal automobile physical damage
$65M-16.7%
Commercial automobile physical damage
$28M-9.7%

Similar metrics at other companies

Selective Insurance Group logo
SIGIWorkers Compensation — Total liabilities for unpaid loss and loss expenses, net of reinsurance
$699.36M-7.6%
CNA Financial logo
CNAWorkers' Compensation — Total net liability for unpaid claim and claim adjustment expenses
$3.48B-1.7%
PRA
PRAWorkers' Compensation Insurance — Receivable from reinsurers on unpaid losses and loss adjustment expenses
$37.83M-3.3%
Old Republic International logo
ORIWorkers' Compensation — Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)
$5.36B+745%
PRA
PRAWorkers' Compensation Insurance Segment — Net losses and loss adjustment expenses
$31.31M+3.8%
PRA
PRAWorkers' Compensation Insurance — Losses and loss adjustment expenses incurred related to current year, net of reinsurance
$31.63M-2.0%

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/E-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:LiabilityForClaimsAndClaimsAdjustmentExpense.

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 — unpaid losses and loss adjustment expenses?
The Hartford Financial Services Group (HIG) reported workers' compensation — unpaid losses and loss adjustment expenses of $14.87B in Q4 2025.
What does workers' compensation — unpaid losses and loss adjustment expenses mean?
This metric represents the gross estimated liability for claims and the associated costs to process them before considering reinsurance recoveries. It provides a comprehensive view of the total claims burden the company is managing. This is the foundational figure for assessing the overall underwriting risk of the segment.