Major Rating Factors:
Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Good profitability index (4.9). Excellent expense controls. Good overall results on stability tests (5.8) despite excessive premium growth and negative cash flow from operations for 2025. Stability strengths include good operational trends and excellent risk diversification.
Other Rating Factors:
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. Excellent liquidity (7.0) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
Principal Lines of Business:
Comm multi (60.0%), fire (6.2%), product liab. (3.3%), other (30.6%)
Licensed in:
All states
Principal Investments:
Investment grade bonds (93.4%), cash (0.7%), other (5.9%)
Corporate Info
Group Affiliation
The Hartford Ins Group Inc
Investment Rating
Company Address
One Hartford Plaza
Hartford, CT 06115
Hartford, CT 06115
Phone Number
(860) 547-5000
NAIC Number
10784
Website
Largest Affiliates