B
ALLSTATE INS CO
Northbrook, IL
Data as of
September 30, 2020
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
2.17
Risk Adjusted
Capital Ratio #2
1.71
Loss
Ratio
68.30%
Total
Assets
54.03B
Capital
19.28B
Net
Premiums
23.83B
Net
Income
4.10B
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Major Rating Factors: History of adequate reserve strength (6.4 on a scale of 0 to 10) as reserves have been consistently at an acceptable level. Fair liquidity (4.1) as cash resources may not be adequate to cover a spike in claims.
Other Rating Factors: Fair overall results on stability tests (4.6). Strong long-term capitalization index (7.8) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Excellent profitability (8.7) with operating gains in each of the last five years. Return on equity has been excellent over the last five years averaging 16.2%.
Stability Factors: L - Past results on our liquidity tests. 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 (57.7%), homeowners (31.9%), comm multi (3.5%), other (6.8%)
Licensed in: All states except NJ
Principal Investments: Investment grade bonds (52.4%), common stock (21.7%), non investment grade bonds (10.0%), real estate (0.7%), preferred stock (0.2%), other (15.0%)
Ratios
Premium to Surplus
170.6%
Reserve to Surplus
94.5%
1-Year Reserve Development
-0.5%
2-Year Reserve Development
-2.1%
Expense Ratio
24.2%
Combined Ratio
92.5%
Cash From Underwriting
109.6%
Net Premium Growth
5.5%
Investments in Affiliates
12.7%
Corporate Info
Group Affiliation
Allstate Group
Investment Rating
ALL
Company Address
2775 SANDERS ROAD
NORTHBROOK, IL 60062
Phone Number
(847) 402-5000
NAIC Number
19232
Largest Affiliates
B
NORTHBROOK, IL - L&A
B
Winston-Salem, NC - P&C
B
NORTHBROOK, IL - P&C
B
JACKSONVILLE, FL - L&A
Weiss Ratings