Company: HIG-PG
Filing Date: 2025-07-28
Form Type: 10-Q
Source: 0000874766-25-000084
Chunk: 181

Company: HARTFORD INSURANCE GROUP, INC.
Filing Date: 2025-07-28
Form: 10-Q
Item: Item 1
Chunk 181
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4,605 24 2,027 6,656 Ending liabilities for unpaid losses and loss adjustment expenses, gross$30,244 $2,220 $2,673 $35,137 Earned premiums and fee income$6,191 $1,678 Loss and loss adjustment expense paid ratio [1]41.9 68.7 Loss and loss adjustment expense ratio58.4 78.7 Prior accident year development (pts) [2](2.2)(2.5)

[1]The “loss and loss adjustment expense paid ratio” represents the ratio of paid losses and loss adjustment expenses to earned premiums and fee income.

[2]“Prior accident year development (pts)” represents the ratio of prior accident year development to earned premiums.

Current Accident Year Catastrophe Losses, Net of ReinsuranceThree Months Ended June 30, 2024Six Months Ended June 30, 2024Business InsurancePersonal InsuranceTotalBusiness InsurancePersonal InsuranceTotalWind and hail $130 $115 $245 $172 $153 $325 Winter storms3 — 3 55 14 69 Wildfires1 10 11 1 10 11 Other international4 — 4 4 — 4 Catastrophes before assumed reinsurance138 125 263 232 177 409 Global assumed reinsurance business [1]17 — 17 32 — 32 Total catastrophe losses$155 $125 $280 $264 $177 $441 

[1]Catastrophe losses incurred on global assumed reinsurance business are not covered under the Company's aggregate property catastrophe treaty. For further information on the treaty, refer to Enterprise Risk Management — Insurance Risk section of this MD&A.

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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

Unfavorable (Favorable) Prior Accident Year Development for theThree Months Ended June 30, 2024 Business InsurancePersonal InsuranceProperty & Casualty Other OperationsTotal Property & Casualty InsuranceWorkers’ compensation$(52)$— $— $(52)Workers’ compensation discount accretion11 — — 11 General liability32 — — 32 Marine(8)— — (8)Package business(1)— — (