The Hartford saw its net income jump 35% to $990 million in the second quarter of 2025, thanks to a strong comeback in its personal lines business. This marks a big turnaround from the loss the company experienced in the same quarter last year.
Property and casualty written premiums grew by 8% compared to the second quarter of 2024. Both the business and personal insurance segments contributed to this rise, with increases of 8% and 7% respectively. Total catastrophe losses came in at $212 million before taxes, down from $280 million a year ago. These losses were mostly from tornadoes, wind, and hail in the South and Midwest.
Personal lines had a particularly strong quarter. Net income reached $91 million, a big improvement from a loss of $11 million the previous year. The underwriting side also saw a gain of $55 million, reversing last year’s $63 million loss. The combined ratio for personal lines improved to 94.1, much better than the 107.4 they reported in Q2 2024. Personal auto insurance performed well, with a combined ratio of 94, improving by 11.4 points. Homeowners insurance also saw progress, with a combined ratio of 94.4 compared to 114.5 last year. Price increases at renewals helped too, with auto and homeowners policies rising by 14% and 12.7% respectively.
The business insurance segment was another highlight. It contributed $696 million to the company’s net income, a 29% rise from last year’s second quarter. Underwriting profits increased 39% to $444 million, and the combined ratio got better by 2.8 points to 87. Catastrophe losses in this segment were also lower, falling from $155 million to $114 million.
Across The Hartford’s segments, written premiums reached $3.8 billion in the second quarter, up 8% from the previous year. Growth was particularly strong in small business and global specialty lines, supported by new business and higher renewal prices.
Overall, The Hartford’s Q2 results reflect a healthier business with better profits, lower catastrophe losses, and steady premium growth. The company appears to be bouncing back well, especially in its personal insurance business.