Company: HIG-PG
Filing Date: 2025-10-27
Form Type: 10-Q
Source: 0000874766-25-000107
Chunk: 191

Company: HARTFORD INSURANCE GROUP, INC.
Filing Date: 2025-10-27
Form: 10-Q
Item: Item 1
Chunk 191
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 gross new business premium [2]$238 $233 $741 $720 Renewal written price increases [3]4.3 %5.5 %5.1 %6.0 %Renewal earned price increases [3]6.0 %6.3 %6.3 %5.9 %

[1]Except for net new business premium, metrics for middle market exclude loss sensitive and programs businesses.

[2]Excludes Global Re and is before ceded reinsurance. 

[3]Excludes Global Re, offshore energy policies, credit and political risk insurance ("CPRI") policies, political violence and terrorism ("PV&T") policies, and any business under which the managing agent of our Lloyd's Syndicate delegates underwriting authority to coverholders and other third parties.

Underwriting Ratios

Three Months Ended September 30,Nine Months Ended September 30,20252024Change20252024ChangeLoss and loss adjustment expense ratio57.3 61.0 (3.7)58.7 59.3 (0.6)Expense ratio31.1 30.9 0.2 31.0 31.2 (0.2)Policyholder dividend ratio0.3 0.3 — 0.3 0.3 — Combined ratio88.8 92.2 (3.4)90.0 90.7 (0.7)Adjustments to reconcile combined ratio to underlying combined ratio:Current accident year catastrophes and prior accident year development0.6 (3.7)4.3 (1.4)(2.6)1.2 Underlying combined ratio89.4 88.6 0.8 88.6 88.1 0.5 Underlying loss and loss adjustment expense ratio57.9 57.3 0.6 57.3 56.7 0.6 Current accident year catastrophes1.1 4.8 (3.7)4.2 4.4 (0.2)Prior accident year development(1.7)(1.1)(0.6)(2.8)(1.8)(1.0)Total loss and loss adjustment expense ratio57.3 61.0 (3.7)58.7 59.3 (0.6)L