Company: HIG-PG
Filing Date: 2025-10-27
Form Type: 10-Q
Source: 0000874766-25-000107
Chunk: 40

Company: HARTFORD INSURANCE GROUP, INC.
Filing Date: 2025-10-27
Form: 10-Q
Item: Item 2
Chunk 40
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89.2 95.4 (6.2)Underlying loss and loss adjustment expense ratio64.2 68.0 (3.8)63.2 69.7 (6.5)Current accident year catastrophes3.3 10.4 (7.1)11.4 10.6 0.8 Prior accident year development(4.5)(1.6)(2.9)(4.4)(2.2)(2.2)Total loss and loss adjustment expense ratio62.9 76.8 (13.9)70.2 78.1 (7.9)Loss and loss adjustment expense ratio62.9 76.8 (13.9)70.2 78.1 (7.9)Adjustment to reconcile loss and loss adjustment expense ratio to underlying loss and loss adjustment expense ratio:Current accident year catastrophes and prior year development1.2 (8.8)10.0 (7.0)(8.4)1.4 Underlying loss and loss adjustment expense ratio64.2 68.0 (3.8)63.2 69.7 (6.5)

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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 September 30,Nine Months Ended September 30,20252024Change20252024ChangeAutomobileCombined ratio92.5 105.7 (13.2)93.3 105.0 (11.7)Adjustment to reconcile combined ratio to underlying combined ratio:Current accident year catastrophes(0.6)(5.8)5.2 (1.2)(3.5)2.3 Prior accident year development6.0 1.6 4.4 4.3 2.1 2.2 Underlying combined ratio97.9 101.5 (3.6)96.4 103.6 (7.2)HomeownersCombined ratio81.2 94.7 (13.5)101.9 101.8 0.1 Adjustment to reconcile combined ratio to underlying combined ratio:Current accident year catastrophes(8.3)(21.0)12.7 (32.5)(