A
Arch Property Casualty Ins Co
Rating Date
June 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Strong long-term capitalization index (7.8 on a scale of 0 to 10) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Furthermore, this high level of risk adjusted capital has been consistently maintained in previous years. Ample reserve history (7.0) that can protect against increases in claims costs. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Other Rating Factors: Excellent overall results on stability tests (7.2). Stability strengths include good operational trends and excellent risk diversification. Fair profitability index (4.9) with small operating losses during 2023. Return on equity has been low, averaging 0.2% over the past five years.
Stability Factors: D - Limited diversification of general business, policy, and/or investment risk. R - Concerns about the financial strength of its reinsurers. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (80.5%), work comp (24.7%)
Licensed in: All states except CA, FL, ME, NY
Principal Investments: Common stock (74.0%), investment grade bonds (24.8%), cash (0.4%), other (0.8%)
Ratios
Premium to Surplus
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Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
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Combined Ratio
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Cash From Underwriting
Net Premium Growth
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Investments in Affiliates
Corporate Info
Group Affiliation
Arch Capital Group Ltd
Investment Rating
Company Address
Harborside Three
Jersey City, NJ 07311
Phone Number
(201) 743-4000
NAIC Number
10946
Largest Affiliates
B
Jersey City, NJ - P&C
A
Morristown, NJ - P&C
A
Greensboro, NC - P&C
A
Greensboro, NC - P&C
B
Jersey City, NJ - P&C