B
HSB Specialty Ins Co
Rating Date
June 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Good overall results on stability tests (6.5) despite excessive premium growth. Stability strengths include good operational trends and excellent risk diversification. Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors: Excellent profitability index (7.9) with operating gains in each of the last five years. Excellent expense controls. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Stability Factors: T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Comm multi (98.0%), other (2.0%)
Licensed in: (No states)
Principal Investments: Investment grade bonds (83.4%), other (16.6%)
Ratios
Premium to Surplus
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Reserve to Surplus
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1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
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Combined Ratio
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Cash From Underwriting
Net Premium Growth
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Investments in Affiliates
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Corporate Info
Group Affiliation
Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München
Investment Rating
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Company Address
One State Street
Hartford, CT 06103
Phone Number
(860) 722-1866
NAIC Number
14438
Largest Affiliates