B
LIBERTY MUTUAL INS CO
BostonMA
Data as of
December 31, 2021
NAIC
Classification
Risk Adjusted
Capital Ratio #1
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Capital Ratio #2
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Major Rating Factors: Good overall results on stability tests (5.0 on a scale of 0 to 10) despite potential drain of affiliation with Liberty Mutual Group. The largest net exposure for one risk is acceptable at 2.7% of capital. History of adequate reserve strength (5.6) as reserves have been consistently at an acceptable level.
Other Rating Factors: Good overall profitability index (5.4) despite operating losses during 2017. Return on equity has been low, averaging 3.7% over the past five years. Good liquidity (6.5) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Strong long-term capitalization index (7.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years.
Stability Factors: A - Financial problems or weaknesses of a parent or affiliate company. R - Concerns about the financial strength of its reinsurers. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Fin guar/surety (26.5%), personal/comm auto (12.1%), homeowners (4.5%), fire (1.9%), product liab. (1.6%), comm multi (1.2%), acc & health (0.5%), other (51.6%)
Licensed in: All states, the District of Columbia and Puerto Rico
Principal Investments: Common stock (37.4%), investment grade bonds (35.6%), non investment grade bonds (3.9%), cash (0.6%), real estate (0.3%), other (22.1%)
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Corporate Info
Group Affiliation
Liberty Mutual Group
Investment Rating
--
Company Address
175 Berkeley Street
Boston, MA 2116
Phone Number
(617) 357-9500
NAIC Number
23043
Largest Affiliates
C
Dover, NH - P&C
C
Wausau, WI - P&C
C
Dover, NH - P&C
C
C
Weiss Ratings