Germantown Ins Co
Major Rating Factors:
Good overall profitability index (5.0 on a scale of 0 to 10) with operating gains in each of the last five years. Return on equity has been low, averaging 2.6% over the past five years. Good overall results on stability tests (6.8) despite. Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years.
Other Rating Factors:
Ample reserve history (9.4) that helps to protect the company against sharp claims increases. Excellent liquidity (7.7) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Homeowners (89.1%), fire (5.0%), other (5.9%)
Licensed in:
DC, DE, MD, NJ, PA, VA
Principal Investments:
Investment grade bonds (87.3%), non investment grade bonds (6.4%), cash (3.0%), preferred stock (0.7%), other (2.7%)
Corporate Info
Group Affiliation
Philadelphia Contributionship Mutual Holding Co
Investment Rating
--
Company Address
210 South Fourth Street
Philadelphia, PA 19106
Philadelphia, PA 19106
Phone Number
(888) 627-1752
NAIC Number
11282
Website
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