C
First Chicago Ins Co
Rating Date
April 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Fair long-term capitalization index (4.1 on a scale of 0 to 10) based on fair current risk adjusted capital (severe loss scenarios), although results have slipped from the good range during the last year. Fair overall results on stability tests (3.9) including weak results on operational trends and excessive premium growth. History of adequate reserve strength (5.4) as reserves have been consistently at an acceptable level.
Other Rating Factors: Good overall profitability index (6.7) with small operating losses during 2022. Good liquidity (5.6) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors: C - Past results on our Risk-Adjusted Capital tests. G - Fast asset or premium growth. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (99.8%), other (0.2%)
Licensed in: CO, IA, IL, IN, KS, LA, MD, MO, NJ, NV, OH, PA, TN, TX, VA, WI
Principal Investments: Investment grade bonds (84.6%), common stock (12.2%), other (3.2%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
Corporate Info
Group Affiliation
Warrior Invictus Holding Co Inc
Investment Rating
--
Company Address
6640 South Cicero Avenue
Bedford Park, IL 60638
Phone Number
(708) 552-4400
NAIC Number
13587
Largest Affiliates
C
Bedford Park, IL - P&C
C