Encompass Ins Co
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 (3.8) including excessive premium growth. Good overall profitability index (5.1). Excellent expense controls.
Other Rating Factors:
Good liquidity (6.5) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. 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.
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:
Personal/comm auto (52.0%), homeowners (44.9%), fire (0.7%), other (2.3%)
Licensed in:
AR, CA, CO, DC, GA, IA, IL, KY, MD, MI, MS, NE, OH, OK, OR, PA, SC, SD, TN, VA, WA, WV, WY
Principal Investments:
Investment grade bonds (86.8%), cash (0.1%), other (13.1%)
Corporate Info
Group Affiliation
The Allstate Corporation
Investment Rating
Company Address
3100 Sanders Road
Northbrook, IL 60062
Northbrook, IL 60062
Phone Number
(847) 402-5000
NAIC Number
10358
Largest Affiliates