C
Title Industry Assr Co RRG
Rating Date
June 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Weak overall results on stability tests (2.9 on a scale of 0 to 10) including weak risk diversification. Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years. Ample reserve history (8.1) that helps to protect the company against sharp claims increases.
Other Rating Factors: Excellent profitability index (8.3) with operating gains in each of the last five years. Superior liquidity (9.0) 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. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Other (100%)
Licensed in: VT
Principal Investments: Investment grade bonds (66.2%), cash (18.2%), common stock (15.6%)
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
None
Investment Rating
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Company Address
76 Saint Paul Street
Burlington, VT 05401
Phone Number
(802) 862-4400
NAIC Number
10084
Largest Affiliates
No affiliate information available.