Major Rating Factors:
Strong long-term capitalization index (10.0 on a scale of 0 to 10) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years. Ample reserve history (9.5) that helps to protect the company against sharp claims increases. Excellent profitability index (8.4).
Other Rating Factors:
Excellent liquidity (7.8) with ample operational cash flow and liquid investments. Excellent overall results on stability tests (7.7). Stability strengths include good operational trends and excellent risk diversification.
Stability Factors:
F - Negative cash flow.
Principal Lines of Business:
Work comp (100.0%)
Licensed in:
MD
Principal Investments:
Investment grade bonds (76.4%), common stock (8.8%), non investment grade bonds (4.1%), cash (0.5%), preferred stock (0.3%), real estate (0.3%), other (9.7%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
8722 Loch Raven Boulevard
Towson, MD 21286
Towson, MD 21286
Phone Number
(410) 494-2000
NAIC Number
11039
Website
Largest Affiliates
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