C
Allstate NJ P&C Ins Co
Rating Date
June 2026
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 profitability index (4.9). Excellent expense controls. Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years.
Other Rating Factors: Excellent liquidity (7.0) with ample operational cash flow and liquid investments. Excellent overall results on stability tests (7.1). Stability strengths include good operational trends and excellent risk diversification.
Stability Factors:
Principal Lines of Business: Personal/comm auto (72.1%), homeowners (25.0%), comm multi (0.7%), other (2.2%)
Licensed in: NJ
Principal Investments: Investment grade bonds (94.3%), other (5.7%)
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
The Allstate Corporation
Investment Rating
ALL
Company Address
1130 Route 22 East
Bridgewater, NJ 08807
Phone Number
(908) 252-5000
NAIC Number
14940
Largest Affiliates
C
Northbrook, IL - P&C
C
Winston-Salem, NC - P&C
B
Winston-Salem, NC - P&C
D
Winston-Salem, NC - P&C