Major Rating Factors:
Good overall results on stability tests (6.7 on a scale of 0 to 10) despite excessive premium growth. Stability strengths include good operational trends and excellent risk diversification. Fair reserve development (3.7) as reserves have generally been sufficient to cover claims. Fair profitability index (4.0) with operating losses during 2021 and 2025.
Other Rating Factors:
Strong long-term capitalization index (7.7) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Good liquidity (7.0) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors:
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (31.9%), farmowners (25.9%), comm multi (14.1%), fire (6.6%), work comp (0.8%), product liab. (0.4%), homeowners (0.2%), other (20.1%)
Licensed in:
All states except CA
Principal Investments:
Common stock (71.8%), investment grade bonds (15.2%), cash (8.3%), real estate (2.7%), non investment grade bonds (0.2%), other (1.7%)
Corporate Info
Group Affiliation
Liberty Mutual Holding Co Inc
Investment Rating
--
Company Address
175 Berkeley Street
Boston, MA 02116
Boston, MA 02116
Phone Number
(617) 357-9500
NAIC Number
25135
Website
Largest Affiliates