Major Rating Factors:
Fair profitability index (3.2 on a scale of 0 to 10) with operating losses during 2022, 2023, 2024 and 2025. Fair overall results on stability tests (3.6) including negative cash flow from operations for 2025. Good liquidity (6.3) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors:
Strong long-term capitalization index (7.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Ample reserve history (8.0) that helps to protect the company against sharp claims increases.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
R - Concerns about the financial strength of its reinsurers.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Comm multi (47.7%), homeowners (32.3%), fire (12.5%), other (7.4%)
Licensed in:
PA
Principal Investments:
Investment grade bonds (62.5%), common stock (17.7%), cash (17.3%), real estate (2.5%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
2875 Eastern Boulevard
York, PA 17402
York, PA 17402
Phone Number
(717) 751-4435
NAIC Number
11061
Website
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