---
schema_version: "secwatch.filing_event.v1"
accession: "0000874766-25-000010"
form_type: "8-K"
ticker: "HIG"
cik: "0000874766"
company_name: "HARTFORD INSURANCE GROUP, INC."
filed_at: "2025-01-30T23:59:59+00:00"
generated_at: "2026-05-27T06:13:42.475892+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Hartford Q4 net income up 11% to $848M, core earnings down 7% to $865M; P&C premiums up 7%

## Summary
- Q4 net income $848M ($2.88/diluted) vs $766M ($2.51) prior year; core earnings $865M ($2.94) vs $935M ($3.06).
- Full year net income $3.1B ($10.35) up 24%; core earnings $3.1B ($10.30) up 11%.
- P&C written premiums up 7% Q4, 10% FY; Commercial Lines combined ratio 87.4, Personal Lines 85.8 (improved 15.4 points).
- Reserve development: net $101M unfavorable prior year development; $141M adverse from A&E reserves net of ADC.
- Returned $537M to stockholders in Q4 ($400M buybacks, $137M dividends); full year $2.1B.

## SEC filing metadata
- accession: 0000874766-25-000010
- form_type: 8-K
- ticker: HIG
- cik: 0000874766
- company_name: HARTFORD INSURANCE GROUP, INC.
- filed_at: 2025-01-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/874766/000087476625000010/0000874766-25-000010-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/874766/000087476625000010/hig-20250130.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000874766-25-000010
- JSON: https://secwatch.observer/filing/0000874766-25-000010.json
- Plain text: https://secwatch.observer/filing/0000874766-25-000010.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.