Company: HIG-PG
Filing Date: 2025-10-27
Form Type: 10-Q
Source: 0000874766-25-000107
Chunk: 28

Company: HARTFORD INSURANCE GROUP, INC.
Filing Date: 2025-10-27
Form: 10-Q
Item: Item 2
Chunk 28
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 $8 change in deferred gain on retroactive reinsurance for the three months ended September 30, 2025 is related to amortization of the Navigators ADC deferred gain under retroactive reinsurance accounting.

Unfavorable (Favorable) Prior Accident Year Development for theNine Months Ended September 30, 2025Business InsurancePersonal InsuranceProperty & Casualty Other OperationsTotal Property & Casualty InsuranceWorkers’ compensation$(188)$— $— $(188)Workers’ compensation discount accretion34 — — 34 General liability— — — — Marine— — — — Package business— — — — Commercial property(28)— — (28)Professional liability(11)— — (11)Bond(22)— — (22)Assumed reinsurance— — — — Automobile liability— (55)— (55)Homeowners— (36)— (36)Net A&E reserves— — — — Catastrophes(28)(11)— (39)Uncollectible reinsurance— — 6 6 Other reserve re-estimates, net [1]18 (21)(6)(9)Prior accident year development before change in deferred gain(225)(123)— (348)Change in deferred gain on retroactive reinsurance included in other liabilities [2](64)— — (64)Total prior accident year development$(289)$(123)$— $(412)

[1]Other reserve re-estimates, net for the nine months ended September 30, 2025 includes a favorable change of $(26) in personal automobile physical damage reserves. 

[2]The $64 change in deferred gain on retroactive reinsurance for the nine months ended September 30, 2025 is related to amortization of the Navigators ADC deferred gain under retroactive reinsurance accounting.

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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

For discussion of the factors contributing to unfavorable (favorable) prior accident year reserve development for 2025, please refer to Note 9 - Reserve for Unpaid Losses and Loss Adjustment Expenses of Notes to Condensed Consolidated Financial Statements. 

Rollforward of Property and Casualty Insurance Product Liabilities for Unpaid Losses and LAE for the