Major Rating Factors:
Fair profitability index (4.5 on a scale of 0 to 10). Fair overall results on stability tests (3.0) including negative cash flow from operations for 2025. The largest net exposure for one risk is conservative at 1.3% of capital. Good liquidity (6.7) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors:
Strong long-term capitalization index (7.9) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Ample reserve history (9.2) that helps to protect the company against sharp claims increases.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business:
Homeowners (59.9%), fire (27.7%), other (12.5%)
Licensed in:
PA
Principal Investments:
Common stock (48.9%), investment grade bonds (40.7%), cash (7.9%), real estate (0.9%), other (1.6%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
500 East Pitt Street
Bedford, PA 15522
Bedford, PA 15522
Phone Number
(814) 623-1100
NAIC Number
17175
Website
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