The Hartford 2008 Annual Report Download - page 184

Table of Contents
Prior accident year development recorded in 2008
Included within prior accident year development for the year ended December 31, 2008 were the following reserve
strengthenings (releases).
Personal Small Middle Specialty Ongoing Other Total
Lines Commercial Market Commercial Operations Operations P&C
Released workers’
compensation reserves,
primarily related to
accident years 2000 to
2007 $ — $ (92) $ (64) $ — $ (156) $ — $ (156)
Released reserves for general
liability claims, primarily
related to accident years
2001 to 2007 — (15) (90) — (105) — (105)
Released reserves for
directors and officers
claims and errors and
omissions claims for
accident years 2003 to
2006 — — — (75) (75) — (75)
Released reserves for
personal auto liability
claims related to accident
years 2005 to 2007 (46) — — — (46) — (46)
Released commercial auto
liability reserves,
primarily related to
accident years 2002 to
2007 — — (27) — (27) — (27)
Released reserves for
extra-contractual liability
claims under
non-standard personal
auto policies (24) — — — (24) — (24)
Released reserves for
construction defect claims
for accident years 2005
and prior — — — (10) (10) — (10)
Strengthened reserves for
general liability and
products liability claims
primarily for accident
years 2004 and prior — 17 50 — 67 — 67
Strengthened reserves for
national account general
liability allocated loss
adjustment expense
reserves related to
accident years 2004 and
prior — — — 25 25 — 25
Strengthening of net
environmental reserves — — — — — 53 53
Strengthening of net asbestos
reserves — — — — — 50 50
Other reserve re-estimates,
net [1] 19 1 (3) (21) (4) 26 22
Total prior accident year
development for the
year ended
December 31, 2008 $ (51) $ (89) $ (134) $ (81) $ (355) $ 129 $ (226)
[1] Includes reserve discount accretion of $26, including $6 in Small Commercial, $9 in Middle Market, $8 in Specialty
Commercial and $3 in Other Operations.
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Source: HARTFORD FINANCIAL S, 10-K, February 12, 2009