Major Rating Factors:
Good liquidity (6.1 on a scale of 0 to 10) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Good overall results on stability tests (6.7) despite. Strong long-term capitalization index (8.5) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
History of adequate reserve strength (7.0) as reserves have been consistently at an acceptable level. Fair profitability index (4.7) with operating losses during 2022 and 2024.
Stability Factors:
L - Past results on our liquidity tests.
Principal Lines of Business:
Homeowners (56.0%), comm multi (22.3%), farmowners (11.2%), fire (6.3%), other (4.2%)
Licensed in:
VA
Principal Investments:
Investment grade bonds (55.9%), common stock (29.9%), cash (4.1%), non investment grade bonds (1.8%), real estate (1.1%), preferred stock (0.7%), other (6.6%)
Corporate Info
Group Affiliation
Loudoun Mutual Ins Co
Investment Rating
--
Company Address
15609 High Street
Waterford, VA 20197
Waterford, VA 20197
Phone Number
(540) 882-3232
NAIC Number
10329
Website
Largest Affiliates