HARTFORD INSURANCE GROUP, INC. Leases Disclosure
| For the years ended December 31, | |||||||||||
| 2025 | 2024 | 2023 | |||||||||
| Operating lease cost | $ | 37 | $ | 35 | $ | 36 | |||||
| Short-term lease cost | 1 | 1 | — | ||||||||
| Variable lease cost | 1 | 1 | (2) | ||||||||
| Sublease income | (2) | (3) | (4) | ||||||||
Total lease costs included in insurance operating costs and other expenses | $ | 37 | $ | 34 | $ | 30 | |||||
| For the years ended December 31, | |||||||||||
| 2025 | 2024 | 2023 | |||||||||
| Operating cash flows for operating leases (for the twelve months ended) | $ | 32 | $ | 33 | $ | 37 | |||||
| Right-of-use asset obtained in exchange for new operating lease liabilities | 40 | 25 | 40 | ||||||||
| Weighted-average remaining lease term in years for operating leases | 6 years | 6 years | 7 years | ||||||||
| Weighted-average discount rate for operating leases | 4.6 | % | 4.3 | % | 4.0 | % | |||||
| Operating Leases | |||||
| 2026 | $ | 37 | |||
| 2027 | 37 | ||||
| 2028 | 33 | ||||
| 2029 | 29 | ||||
| 2030 | 21 | ||||
| Thereafter | 35 | ||||
| Total lease payments | 192 | ||||
| Less: Discount on lease payments to present value | 23 | ||||
| Total lease liability | $ | 169 | |||
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Historical Timeline
| Fiscal Year | Filed | |
|---|---|---|
| 2025 | Feb 20, 2026 | Showing above |
| 2024 | Feb 21, 2025 | |
| 2023 | Feb 23, 2024 | |
| 2022 | Feb 24, 2023 | |
| 2021 | Feb 18, 2022 | |
| 2020 | Feb 19, 2021 | |
| 2019 | Feb 21, 2020 | |
About Leases Disclosures
Lease disclosures under ASC 842 provide a comprehensive view of a company's leased asset portfolio, including the split between operating and finance leases, discount rates used to present-value future payments, and the maturity schedule of lease obligations. This section reveals a significant source of off-balance-sheet commitments that were largely hidden before the current standard.
Key signals: the weighted-average discount rate affects the size of recorded lease liabilities — a higher rate reduces the reported obligation, so compare the chosen rate against the company's incremental borrowing rate. The operating versus finance lease mix affects both EBITDA and operating income presentation. Watch the maturity table for concentration risk: large payment cliffs in specific years may create cash flow pressure. Variable lease payments excluded from the liability measurement represent real obligations that do not appear on the balance sheet. Compare total lease costs against prior-year operating lease expense to assess the true economic burden.