Company: HIG-PG
Filing Date: 2025-10-27
Form Type: 10-Q
Source: 0000874766-25-000107
Chunk: 183

Company: HARTFORD INSURANCE GROUP, INC.
Filing Date: 2025-10-27
Form: 10-Q
Item: Item 1
Chunk 183
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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

Rollforward of Property and Casualty Insurance Product Liabilities for Unpaid Losses and LAE for the Nine Months Ended September 30, 2025Business InsurancePersonal InsuranceProperty & Casualty Other OperationsTotal Property & CasualtyBeginning liabilities for unpaid losses and loss adjustment expenses, gross$31,380 $2,240 $2,784 $36,404 Reinsurance and other recoverables4,637 20 2,096 6,753 Beginning liabilities for unpaid losses and loss adjustment expenses, net26,743 2,220 688 29,651 Provision for unpaid losses and loss adjustment expensesCurrent accident year before catastrophes5,894 1,758 — 7,652 Current accident year catastrophes433 316 — 749 Prior accident year development (289)(123)— (412)Total provision for unpaid losses and loss adjustment expenses6,038 1,951 — 7,989 Change in deferred gain on retroactive reinsurance included in other liabilities 64 — — 64 Payments(4,588)(1,859)(177)(6,624)Foreign currency adjustment32 — — 32 Ending liabilities for unpaid losses and loss adjustment expenses, net28,289 2,312 511 31,112 Reinsurance and other recoverables4,526 44 2,057 6,627 Ending liabilities for unpaid losses and loss adjustment expenses, gross$32,815 $2,356 $2,568 $37,739 Earned premiums and fee income$10,321 $2,804 Loss and loss adjustment expense paid ratio [1]44.5 66.3 Loss and loss adjustment expense ratio58.7 70.2 Prior accident year development (pts) [2](2.8)(4.4)

[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 September 30, 2025Nine Months Ended September 30, 2025Business InsurancePersonal