Stillwater Ins Co
Major Rating Factors:
Good long-term capitalization index (5.9 on a scale of 0 to 10) based on fair current risk adjusted capital (moderate loss scenarios). Fair reserve development (3.7) as reserves have generally been sufficient to cover claims. In 2024 the two year reserve development was 25.0% deficient. Weak profitability index (2.8) with operating losses during 2022, 2024 and the first six months of 2025. Average return on equity over the last five years has been poor at -6.5%.
Other Rating Factors:
Good liquidity (6.4) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Excellent overall results on stability tests (7.0) despite negative cash flow from operations for 2024 and fair risk adjusted capital in prior years. Stability strengths include good operational trends and excellent risk diversification. The largest net exposure for one risk is conservative at 1.1% of capital.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
F - Negative cash flow.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Homeowners (73.2%), personal/comm auto (9.6%), comm multi (5.7%), fire (2.7%), other (8.7%)
Licensed in:
All states
Principal Investments:
Investment grade bonds (56.3%), common stock (24.6%), preferred stock (7.6%), non investment grade bonds (6.3%), other (5.1%)
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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