Major Rating Factors:
Weak overall results on stability tests (1.9 on a scale of 0 to 10) including weak risk diversification and negative cash flow from operations for 2025. The largest net exposure for one risk is conservative at 1.7% of capital. Fair profitability index (3.6) with operating losses during 2022, 2023, 2024 and 2025. 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:
Ample reserve history (9.3) that helps to protect the company against sharp claims increases. Superior liquidity (9.1) with ample operational cash flow and liquid investments.
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.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Homeowners (54.4%), fire (45.6%)
Licensed in:
PA
Principal Investments:
Cash (51.5%), investment grade bonds (48.5%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
647 Philadelphia Street
Indiana, PA 15701
Indiana, PA 15701
Phone Number
(724) 465-4922
NAIC Number
17582
Website
Largest Affiliates
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