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 (9.1) that helps to protect the company against sharp claims increases. Excellent overall results on stability tests (7.3). Stability strengths include excellent operational trends and excellent risk diversification.
Other Rating Factors:
Good liquidity (6.7) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Fair profitability index (3.7) with operating losses during 2022, 2024 and the first six months of 2025. Average return on equity over the last five years has been poor at -0.4%.
Stability Factors:
L - Past results on our liquidity tests.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Homeowners (68.7%), comm multi (11.7%), fire (6.4%), farmowners (1.8%), other (11.5%)
Licensed in:
DE, KS, MD, MO, NC, PA, SC, VA, WV
Principal Investments:
Common stock (85.1%), investment grade bonds (12.4%), cash (0.6%), real estate (0.3%), other (1.5%)
Corporate Info
Group Affiliation
Lititz Mutual Ins Co
Investment Rating
--
Company Address
Two North Broad Street
Lititz, PA 17543
Lititz, PA 17543
Phone Number
(717) 626-4751
NAIC Number
14400
Website
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