Company: HIG-PG
Filing Date: 2025-07-28
Form Type: 10-Q
Source: 0000874766-25-000084
Chunk: 346

Company: HARTFORD INSURANCE GROUP, INC.
Filing Date: 2025-07-28
Form: 10-Q
Item: Item 8
Chunk 346
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 underlying combined ratio:Current accident year catastrophes and prior year development(6.1)(10.7)4.6 (11.2)(8.1)(3.1)Underlying combined ratio88.0 96.7 (8.7)88.8 96.4 (7.6)Underlying loss and loss adjustment expense ratio62.8 70.3 (7.5)62.7 70.5 (7.8)Current accident year catastrophes10.5 14.7 (4.2)15.6 10.6 5.0 Prior accident year development(4.4)(4.0)(0.4)(4.4)(2.5)(1.9)Total loss and loss adjustment expense ratio69.0 81.0 (12.0)73.9 78.7 (4.8)Loss and loss adjustment expense ratio69.0 81.0 (12.0)73.9 78.7 (4.8)Adjustment to reconcile loss and loss adjustment expense ratio to underlying loss and loss adjustment expense ratio:Current accident year catastrophes and prior year development(6.1)(10.7)4.6 (11.2)(8.1)(3.1)Underlying loss and loss adjustment expense ratio62.8 70.3 (7.5)62.7 70.5 (7.8)

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Table of ContentsIndex to MD&A Part I - Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations

Product Combined Ratios

Three Months Ended June 30,Six Months Ended June 30,20252024Change20252024ChangeAutomobileCombined ratio94.0 105.4 (11.4)93.8 104.7 (10.9)Adjustment to reconcile combined ratio to underlying combined ratio:Current accident year catastrophes(1.8)(3.6)1.8 (1.5)(2.4)0.9 Prior accident year development3.0 3.1 (0.1)3.4 2.4 1.0 Underlying combined ratio95.2 104.9 (9.7)95.7 104.7 (9.0)HomeownersCombined ratio94.