Major Rating Factors:
Good liquidity (6.8 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 (4.8) including excessive premium growth. The largest net exposure for one risk is high at 4.0% of capital. Strengths include potentially strong support from affiliation with Klinefelter Ins Group. Strong long-term capitalization index (8.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
Ample reserve history (9.2) that helps to protect the company against sharp claims increases. Excellent profitability index (7.4) with small operating losses during 2024.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
G - Fast asset or premium growth.
Principal Lines of Business:
Homeowners (55.7%), fire (13.5%), comm multi (12.7%), farmowners (3.3%), personal/comm auto (0.3%), other (14.5%)
Licensed in:
PA
Principal Investments:
Investment grade bonds (52.2%), common stock (16.2%), non investment grade bonds (2.7%), cash (0.4%), other (28.5%)
Corporate Info
Group Affiliation
Klinefelter Ins Group
Investment Rating
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Company Address
1 East Main Street
Ephrata, PA 17522
Ephrata, PA 17522
Phone Number
(717) 733-8648
NAIC Number
18007
Website
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Largest Affiliates