Major Rating Factors:
Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years. Excellent profitability index (8.1). Excellent expense controls.
Other Rating Factors:
Excellent liquidity (8.3) with ample operational cash flow and liquid investments. Excellent overall results on stability tests (6.9) despite excessive premium growth and negative cash flow from operations for 2025. Stability strengths include good operational trends and excellent risk diversification.
Stability Factors:
F - Negative cash flow.
Principal Lines of Business:
Med mal (27.7%), comm multi (19.2%), fire (3.1%), product liab. (1.3%), other (48.7%)
Licensed in:
(No states)
Principal Investments:
Investment grade bonds (90.2%), non investment grade bonds (0.2%), other (9.6%)
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
25445
Largest Affiliates