C
Republic-Franklin Ins Co
Rating Date
June 2026
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Assets
Capital
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Premiums
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Major Rating Factors: History of adequate reserve strength (6.9 on a scale of 0 to 10) as reserves have been consistently at an acceptable level. Good liquidity (6.8) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. 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: Excellent profitability index (8.2). Excellent overall results on stability tests (8.0). Stability strengths include excellent operational trends and excellent risk diversification.
Stability Factors:
Principal Lines of Business: Comm multi (44.5%), personal/comm auto (28.6%), work comp (9.0%), homeowners (5.9%), other (12.0%)
Licensed in: CT, DC, DE, GA, IL, IN, KS, MA, MD, MI, NC, NH, NJ, NY, OH, PA, RI, SC, TN, TX, VA, WI
Principal Investments: Investment grade bonds (93.3%), common stock (5.3%), cash (0.2%), other (1.2%)
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2-Year Reserve Development
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Net Premium Growth
Investments in Affiliates
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Corporate Info
Group Affiliation
Utica National Ins Group
Investment Rating
--
Company Address
4449 Easton Way
Columbus, OH 43219
Phone Number
(800) 598-8422
NAIC Number
12475
Largest Affiliates
C
New Hartford, NY - P&C
C
New Hartford, NY - P&C
C
New Hartford, NY - P&C
C
New Hartford, NY - P&C
C
New Hartford, NY - P&C