Stillwater Ins Co
Major Rating Factors:
Good long-term capitalization index (6.6 on a scale of 0 to 10) based on fair current risk adjusted capital (moderate loss scenarios). Fair reserve development (3.2) as the level of reserves has at times been insufficient to cover claims. In 2025 and 2024 the two year reserve development was 19.8% and 25.1% deficient respectively. Fair profitability index (3.0) with operating losses during 2022, 2024 and 2025.
Other Rating Factors:
Vulnerable liquidity (2.9) as a spike in claims may stretch capacity. Excellent overall results on stability tests (7.3). Stability strengths include excellent operational trends and excellent risk diversification.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
L - Past results on our liquidity tests.
Principal Lines of Business:
Homeowners (75.4%), personal/comm auto (8.3%), comm multi (4.9%), fire (2.6%), other (8.8%)
Licensed in:
All states
Principal Investments:
Investment grade bonds (54.7%), common stock (25.4%), preferred stock (7.0%), non investment grade bonds (6.9%), cash (0.4%), other (5.7%)
Corporate Info
Group Affiliation
WT Holdings Inc
Investment Rating
--
Company Address
6800 Southpoint Parkway
Jacksonville, FL 32216
Jacksonville, FL 32216
Phone Number
(800) 849-6140
NAIC Number
25180
Website
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