C
Penn-Patriot Ins Co
Rating Date
June 2026
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 profitability index (1.9 on a scale of 0 to 10) with small operating losses during 2022. Fair overall results on stability tests (4.4) including weak results on operational trends and negative cash flow from operations for 2025. Strong long-term capitalization index (7.5) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting improvement over results in 2020.
Other Rating Factors: History of adequate reserve strength (6.9) as reserves have been consistently at an acceptable level. Superior liquidity (9.2) with ample operational cash flow and liquid investments.
Stability Factors: F - Negative cash flow. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Comm multi (52.3%), product liab. (7.1%), fire (0.9%), other (39.6%)
Licensed in: VA
Principal Investments: Investment grade bonds (95.3%), cash (3.0%), common stock (1.7%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
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Cash From Underwriting
Net Premium Growth
Investments in Affiliates
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Corporate Info
Group Affiliation
Global Indemnity Group LLC
Investment Rating
Company Address
Three Bala Plaza, East
Bala Cynwyd, PA 19004
Phone Number
(610) 664-1500
NAIC Number
10121
Largest Affiliates
C
Bala Cynwyd, PA - P&C
C
Bala Cynwyd, PA - P&C
C
Bala Cynwyd, PA - P&C
C
Bala Cynwyd, PA - P&C