Major Rating Factors:
Good overall results on stability tests (5.4 on a scale of 0 to 10) despite. Stability strengths include good operational trends and good risk diversification. The largest net exposure for one risk is conservative at 1.5% of capital. Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital has steadily grown over the last five years. Ample reserve history (7.3) that can protect against increases in claims costs.
Other Rating Factors:
Excellent profitability index (8.7). Excellent liquidity (7.4) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (98.5%), other (1.5%)
Licensed in:
VT
Principal Investments:
Investment grade bonds (85.8%), common stock (6.8%), cash (5.9%), other (1.6%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
58 East View Lane
Barre, VT 05641
Barre, VT 05641
Phone Number
(802) 479-7802
NAIC Number
10353
Website
Largest Affiliates
No affiliate information available.