Major Rating Factors:
Strong long-term capitalization index (7.8 on a scale of 0 to 10) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Furthermore, this high level of risk adjusted capital has been consistently maintained in previous years. Ample reserve history (9.2) that helps to protect the company against sharp claims increases. Excellent profitability index (8.6) with operating gains in each of the last five years. Return on equity has been good over the last five years, averaging 12.1%.
Other Rating Factors:
Excellent overall results on stability tests (8.6). Stability strengths include excellent operational trends and excellent risk diversification. Good liquidity (6.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors:
L - Past results on our liquidity tests.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (29.4%), homeowners (19.7%), comm multi (16.0%), work comp (8.8%), fire (3.0%), farmowners (0.7%), product liab. (0.6%), other (21.7%)
Licensed in:
All states and Canada, VI
Principal Investments:
Investment grade bonds (74.1%), common stock (9.6%), non investment grade bonds (2.5%), cash (0.2%), real estate (0.1%), other (13.5%)
Corporate Info
Group Affiliation
The Travelers Companies Inc
Investment Rating
Company Address
One Tower Square
Hartford, CT 06183
Hartford, CT 06183
Phone Number
(860) 277-0111
NAIC Number
24767
Website
Largest Affiliates