Major Rating Factors:
Strong long-term capitalization index (7.7 on a scale of 0 to 10) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Furthermore, this high level of risk adjusted capital has been consistently maintained in previous years. Ample reserve history (9.3) that helps to protect the company against sharp claims increases. Excellent profitability index (7.9) with operating gains in each of the last five years.
Other Rating Factors:
Excellent liquidity (7.1) with ample operational cash flow and liquid investments. Excellent overall results on stability tests (7.8). Stability strengths include excellent operational trends and excellent risk diversification.
Stability Factors:
L - Past results on our liquidity tests.
R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business:
Personal/comm auto (40.0%), comm multi (25.6%), homeowners (16.4%), work comp (9.8%), farmowners (1.0%), fire (0.9%), other (6.2%)
Licensed in:
AL, AZ, CO, DC, DE, GA, IA, IL, IN, MD, ME, MI, NC, NE, NH, NM, OH, PA, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY
Principal Investments:
Common stock (44.8%), investment grade bonds (40.5%), real estate (7.0%), cash (5.5%), other (2.1%)
Corporate Info
Group Affiliation
Donegal Mutual Ins Co
Investment Rating
--
Company Address
1195 River Road
Marietta, PA 17547
Marietta, PA 17547
Phone Number
(717) 426-1931
NAIC Number
13692
Website
Largest Affiliates