Major Rating Factors:
Weak overall results on stability tests (1.0 on a scale of 0 to 10) including weak results on operational trends and weak risk diversification. The largest net exposure for one risk is excessive at 6.6% of capital. Fair profitability index (3.6) with operating losses during 2023, 2024 and 2025. History of adequate reserve strength (6.0) as reserves have been consistently at an acceptable level.
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. Excellent liquidity (7.8) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
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 (49.4%), fire (28.7%), farmowners (19.7%), other (2.2%)
Licensed in:
PA
Principal Investments:
Common stock (50.5%), cash (49.5%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
100 Autumn Street
Aliquippa, PA 15001
Aliquippa, PA 15001
Phone Number
(724) 375-0594
NAIC Number
17868
Website
Largest Affiliates
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