Company: HIG-PG
Filing Date: 2025-10-27
Form Type: 10-Q
Source: 0000874766-25-000107
Chunk: 193

Company: HARTFORD INSURANCE GROUP, INC.
Filing Date: 2025-10-27
Form: 10-Q
Item: Item 1
Chunk 193
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42 and $48, for the nine months ended September 30, 2024 and 2025, respectively.Three and nine months ended September 30, 2025 compared to 2024 Earned premiums for the three and nine months ended September 30, 2025 increased due to written premium increases over the prior twelve months.Written premiums for the three and nine months ended September 30, 2025 increased driven by growth across small business, middle & large business and global specialty.•Small business written premium increased driven by strong new business as well as renewal written price increases in almost all lines. Written premium grew across all lines of business.•Middle & large business written premium increased driven by strong new business as well as renewal written price increases in all lines. Written premium rose across general industries, industry verticals and the large and complex lines.•Global specialty written premium, excluding global reinsurance, increased driven by written price increases across most lines as well as an increase in gross new business. Written premiums grew in global reinsurance, primarily in credit risk and casualty lines.Renewal written price increases were recognized in most lines for both the three and nine months ended September 30, 2025.•In small business, renewal written price increases were lower than prior year levels overall, with mid single-digit to low double-digit price increases across most lines. Workers' compensation pricing was flat.•In middle market, renewal written price increases were lower than prior year levels overall, with mid single-digit to low double-digit price increases in most lines. Workers' compensation pricing was slightly positive.•In global specialty, renewal written price increases were lower than prior year levels with mid single-digit price increases overall. 

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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

Underlying Loss and Loss Adjustment Expense Ratio Three and nine months ended September 30, 2025 compared to 2024Underlying Loss and Loss Adjustment Expense Ratio for the three and nine months ended September 30, 2025 increased primarily due to workers' compensation margin compression.Catastrophes and Unfavorable (Favorable) Prior Accident Year DevelopmentThree and nine months ended September 30, 2025 compared to 2024Current accident year catastrophe losses decreased for the three month period and increased for the nine month period. CAY catastrophe losses for the three months ended September 30, 2025 included losses from tornado, wind and hail events across several regions, but