Encompass Ins Co of Am
Major Rating Factors:
Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair overall results on stability tests (4.2) including excessive premium growth. Good profitability index (4.9). Excellent expense controls.
Other Rating Factors:
Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business:
Homeowners (64.7%), personal/comm auto (31.6%), fire (1.0%), other (2.8%)
Licensed in:
All states except AK, CA, FL, HI, ID, MA, MI, MS, MT, NC, ND, NE, NJ, SD, WY
Principal Investments:
Investment grade bonds (87.8%), other (12.2%)
Ratios
Premium to Surplus
--
Reserve to Surplus
--
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
--
Combined Ratio
--
Cash From Underwriting
Net Premium Growth
--
Investments in Affiliates
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Corporate Info
Group Affiliation
The Allstate Corporation
Investment Rating
Company Address
2775 Sanders Road
Northbrook, IL 60062
Northbrook, IL 60062
Phone Number
(847) 402-5000
NAIC Number
10071
Largest Affiliates