Major Rating Factors:
Good liquidity (6.7 on a scale of 0 to 10) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Fair overall results on stability tests (4.2) including negative cash flow from operations for 2025. The largest net exposure for one risk is excessive at 7.0% of capital. Strengths include potentially strong support from affiliation with Donegal Mutual Ins Co. Strong long-term capitalization index (9.4) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
Ample reserve history (9.5) that helps to protect the company against sharp claims increases. Excellent profitability index (7.6).
Stability Factors:
F - Negative cash flow.
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 (48.2%), comm multi (19.2%), work comp (18.9%), homeowners (8.7%), fire (1.3%), other (3.8%)
Licensed in:
DC, DE, GA, IA, IN, MD, ME, MI, NC, NE, NH, OH, PA, SC, TN, VA, VT, WI, WV
Principal Investments:
Investment grade bonds (84.7%), common stock (9.1%), cash (3.0%), non investment grade bonds (0.6%), other (2.7%)
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
14958
Website
Largest Affiliates