Reserve for Unpaid Losses and Loss Adjustment Expenses (Tables)

6 Months Ended

Jun. 30, 2026

Causes of Increase (Decrease) in Liability for Unpaid Claims and Claims Adjustment Expense [Line Items]

Schedule of Liability for Unpaid Claims and Claims Adjustment Expense [Table Text Block]

Unfavorable (Favorable) Prior Accident Year Development


	For the six months ended June 30,
		2026		2025
Workers’ compensation		$	(110)	$	(126)
Workers’ compensation discount accretion		23		23
General liability		116		—
Marine		4		—

Commercial property		(15)		(23)
Professional liability		(4)		(11)
Bond		(32)		(22)
Assumed reinsurance		5		—
Commercial automobile liability		26		—
Personal automobile liability		(39)		(22)
Homeowners		(29)		(31)




Catastrophes		(50)		(39)

Other reserve re-estimates, net		(11)		(2)
Prior accident year development before change in deferred gain		(116)		(253)
Change in deferred gain on retroactive reinsurance included in other liabilities [1]		(36)		(56)
Total prior accident year development		$	(152)	$	(309)

[1]The change in deferred gain on retroactive reinsurance for the six months ended June 30, 2026 is comprised of a $36 benefit for amortization of the A&E ADC deferred gain. The change in deferred gain on retroactive reinsurance for the six months ended June 30, 2025 is comprised of a $56 benefit for amortization of the Navigators ADC deferred gain. For additional information regarding the ADC reinsurance agreements, refer to "Change in Deferred Gain on Retroactive Reinsurance" discussion below.

Property, Liability and Casualty Insurance Product Line

Causes of Increase (Decrease) in Liability for Unpaid Claims and Claims Adjustment Expense [Line Items]

Schedule of Liability for Unpaid Claims and Claims Adjustment Expense [Table Text Block]

Rollforward of Liabilities for Unpaid Losses and Loss Adjustment Expenses


	For the six months ended June 30,
	2026		2025
Beginning liabilities for unpaid losses and loss adjustment expenses, gross	$	38,155	$	36,404
Reinsurance and other recoverables	6,723		6,753
Beginning liabilities for unpaid losses and loss adjustment expenses, net	31,432		29,651
Provision for unpaid losses and loss adjustment expenses
Current accident year	5,699		5,670
Prior accident year development [1]	(152)		(309)
Total provision for unpaid losses and loss adjustment expenses	5,547		5,361
Change in deferred gain on retroactive reinsurance included in other liabilities [1]	36		56
Payments
Current accident year	(1,065)		(1,175)
Prior accident years	(3,486)		(3,205)
Total payments	(4,551)		(4,380)
Foreign currency adjustment	(6)		39
Ending liabilities for unpaid losses and loss adjustment expenses, net	32,458		30,727
Reinsurance and other recoverables	6,523		6,631
Ending liabilities for unpaid losses and loss adjustment expenses, gross	$	38,981	$	37,358

[1] Prior accident year development for the six months ended June 30, 2026 included a $36 benefit for amortization of a deferred gain under retroactive reinsurance accounting related to the asbestos and environmental adverse development cover ("A&E ADC"). Prior accident year development for the six months ended June 30, 2025 included a $56 benefit for amortization of a deferred gain under retroactive reinsurance accounting related to the Navigators Adverse Development Cover (the "Navigators' ADC"). The Navigators' ADC deferred gain has been fully amortized as of September 30, 2025. For additional information regarding the adverse development cover ("ADC") reinsurance agreements, refer to "Change in Deferred Gain on Retroactive Reinsurance" discussion below.

Group Insurance Policy [Member]

Causes of Increase (Decrease) in Liability for Unpaid Claims and Claims Adjustment Expense [Line Items]

Schedule of Liability for Unpaid Claims and Claims Adjustment Expense [Table Text Block]

Rollforward of Liabilities for Unpaid Losses and Loss Adjustment Expenses


	For the six months ended June 30,
	2026		2025
Beginning liabilities for unpaid losses and loss adjustment expenses, gross	$	8,113	$	8,206
Reinsurance recoverables	282		282
Beginning liabilities for unpaid losses and loss adjustment expenses, net	7,831		7,924

Provision for unpaid losses and loss adjustment expenses
Current incurral year	2,762		2,692
Prior year's discount accretion	112		105
Prior incurral year development [1]	(278)		(377)
Total provision for unpaid losses and loss adjustment expenses [2]	2,596		2,420
Payments
Current incurral year	(1,138)		(1,076)
Prior incurral years	(1,419)		(1,430)
Total payments	(2,557)		(2,506)
Ending liabilities for unpaid losses and loss adjustment expenses, net	7,870		7,838
Reinsurance recoverables	295		286
Ending liabilities for unpaid losses and loss adjustment expenses, gross	$	8,165	$	8,124

[1]Prior incurral year development represents the change in estimated ultimate incurred losses and loss adjustment expenses for prior incurral years on a discounted basis.

[2]Includes unallocated loss adjustment expenses ("ULAE") of $93 and $88 for the six months ended June 30, 2026 and 2025, respectively, that are recorded in insurance operating costs and other expenses in the Condensed Consolidated Statements of Operations

HARTFORD INSURANCE GROUP, INC. 10-Q