Company: HIG-PG
Filing Date: 2025-10-27
Form Type: 10-Q
Source: 0000874766-25-000107
Chunk: 369

Company: HARTFORD INSURANCE GROUP, INC.
Filing Date: 2025-10-27
Form: 10-Q
Item: Item 8
Chunk 369
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12/31/2025 [1] [2]Losses of $0 to $200None100% retainedLosses of $200 to $350 for earthquakes and named hurricanes and tropical storms [3]None100% retainedLosses of $200 to $350 from one event other than earthquakes and named hurricanes and tropical storms [3]40% of $150 in excess of $20060% co-participationLosses of $350 to $500 from one event (all perils)75% of $150 in excess of $35025% co-participationLosses of $500 to $1.20 billion from one event [4] (all perils)90% of $700 in excess of $50010% co-participationPer Occurrence Property Catastrophe Bond from 1/1/2025 to 12/31/2026 [5]Losses of $1.19 billion to $1.49 billion for tropical cyclone and earthquake events [6]66.67% of $300 in excess of $1.19 billion33.33% of $300 in excess of $1.19 billionAggregate Property Catastrophe Treaty for 1/1/2025 to 12/31/2025 [7]$0 to $750 of aggregate lossesNone100% Retained$750 to $950 of aggregate losses100%NoneWorkers' Compensation Catastrophe Treaty for 1/1/2025 to 12/31/2025Losses of $0 to $100 from one eventNone100% RetainedLosses of $100 to $450 from one event [8]80% of $350 in excess of $10020% co-participation

[1]These agreements do not cover the assumed reinsurance business which purchases its own retrocessional coverage.

[2]In addition to the Per Occurrence Property Catastrophe Treaty, for Florida homeowners wind events, The Hartford has purchased the mandatory FHCF reinsurance for the annual period starting June 1, 2025. Retention and coverage varies by writing company. For the 2025 - 2026 period, the writing company with the largest coverage under FHCF is Hartford Insurance Company of the Midwest, with coverage of $37 in per event losses in excess of a $23 retention (estimates are based on best available information at this time and are periodically updated as information is made available by Florida).

[3]Named hurricanes and tropical storms are defined as any storm or storm system