B
EMPLOYERS PROTECTIVE INS CO
Rating Date
March 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Total
Assets
Capital
Net
Premiums
Net
Income
Loading...
Major Rating Factors: Fair overall results on stability tests (3.6 on a scale of 0 to 10) including negative cash flow from operations for 2023. Weak profitability (1.7) with operating losses during 2023. Return on equity has been low, averaging -16.4%. Strong overall capitalization (8.6) based on excellent risk adjusted capital (severe loss scenario). However, capital levels have fluctuated somewhat during past years.
Other Rating Factors: High quality investment portfolio (9.6). Excellent Liquidity (8.1).
Stability Factors: A - Financial problems or weaknesses of a parent or affiliate company. F - Negative cash flow. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Other (100%)
Licensed in: --
Investments
Invested Assets
Cash
CMO & Structured Securities
Other Investment Grade Bonds
Non-Investment Grade Bonds
Common & Preferred Stock
Mortgages in Good Standing
Non-Performing Mortgages
Real Estate
Other Investments
--
Investments in Affiliates
Corporate Info
Group Affiliation
Hawaii Employers Mutual Insurance Co
Investment Rating
--
Company Address
--
Phone Number
(808) 524-3642
NAIC Number
16460
Largest Affiliates