Major Rating Factors:
Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair overall results on stability tests (4.1) including excessive premium growth. Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years.
Other Rating Factors:
Excellent profitability index (8.3) with operating gains in each of the last five years. Excellent expense controls. Excellent liquidity (7.0) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
Principal Lines of Business:
Personal/comm auto (99.9%), other (0.1%)
Licensed in:
AZ, FL, GA, IL, IN, NY, OH, PA, TN, WA
Principal Investments:
Investment grade bonds (100.0%)
Corporate Info
Group Affiliation
Kemper Corporation
Investment Rating
Company Address
200 East Randolph Street
Chicago, IL 60601
Chicago, IL 60601
Phone Number
(312) 661-4600
NAIC Number
21792
Website
Largest Affiliates