The Hartford Q4 Net Income Up 33% Led by Business Insurance

Net income at The Hartford increased 33% to about $1.1 billion in the fourth quarter 2025.

Property/casualty written premiums increased 5% compared to Q4 2024, led by growth of 7% in the business insurance segment.

CEO Christopher Swift said results were “driven by excellent performance in business insurance,” and a “pivotal year in personal insurance that restored target profitability in auto.”

The Hartford’s business insurance and personal insurance segments turned in Q4 combined ratios of 83.6 and 79.6, respectively. These results were improvements of 3.8 and 6.2 points. For the year, the combined ratios were 88.3 and 91.9, respectively.

The Hartford’s business insurance segment contributed $897 million in net income during Q4, up 27% from the same period in 2024.Underwriting profit increased 42% to $591 million. Net favorable reserve development for the segment, primarily from reserve reductions in workers’ compensation, catastrophes, and bond, was $152 million pretax, compared to $0 million for Q4 2024.

In personal lines, Q4 net income was $212 million, up 38% from $154 million the year prior. The segment booked a 50% increase in its Q4 underwriting gain to $193 million. Catastrophe losses before tax were $11 million compared with $13 million for Q4 2024.

The combined ratio for personal auto improved 5.6 points to 92.7. In homeowners, the combined ratio was 53.7 compared with 57.8 the prior year.

The Hartford said prices at renewal during Q4 for auto and home were 10.4% and 11.9%, respectively.