Keswick Guaranty Inc
Major Rating Factors:
Weak overall results on stability tests (2.2 on a scale of 0 to 10) including weak results on operational trends and weak risk diversification. The largest net exposure for one risk is conservative at 1.5% of capital. Good profitability index (4.9) with operating gains in each of the last five years. Return on equity has been low, averaging 2.6% over the past five years. Strong long-term capitalization index (9.1) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
Ample reserve history (9.2) that helps to protect the company against sharp claims increases. Excellent liquidity (8.2) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
G - Fast asset or premium growth.
R - Concerns about the financial strength of its reinsurers.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
VI
Principal Investments:
Investment grade bonds (32.0%), common stock (22.0%), cash (9.9%), preferred stock (2.2%), other (33.9%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
3017 Estate Contant
Saint Thomas, VI 00802
Saint Thomas, VI 00802
Phone Number
(340) 714-8100
NAIC Number
13598
Website
Largest Affiliates
No affiliate information available.