B
LIBERTY MUTUAL INS CO
BostonMA
Data as of
December 31, 2020
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
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Major Rating Factors: Fair overall results on stability tests (3.9 on a scale of 0 to 10) including weak results on operational trends. The largest net exposure for one risk is high at 3.3% of capital. Good long-term capitalization index (6.9) based on good current risk adjusted capital (moderate loss scenario). Over the last several years, capital levels have remained relatively consistent.
Other Rating Factors: History of adequate reserve strength (5.7) as reserves have been consistently at an acceptable level. Good overall profitability index (5.6) despite operating losses during 2017. Return on equity has been low, averaging 3.8% over the past five years. Good liquidity (6.3) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
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 (28.6%), personal/comm auto (14.3%), homeowners (4.2%), fire (2.6%), product liab. (1.2%), comm multi (1.1%), acc & health (0.5%), other (47.6%)
Licensed in: All states, the District of Columbia and Puerto Rico
Principal Investments: Common stock (39.3%), investment grade bonds (34.5%), non investment grade bonds (4.0%), real estate (0.4%), cash (0.2%), other (21.7%)
Ratios
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2-Year Reserve Development
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Investments in Affiliates
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
B
Dover, NH - P&C
C
Dover, NH - P&C
C
B
Wausau, WI - P&C
B
Weiss Ratings