Esurance Ins Co
Major Rating Factors:
Weak profitability index (1.9 on a scale of 0 to 10) with operating gains in each of the last five years. Return on equity has been low, averaging 4.5% over the past five years. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. Fair overall results on stability tests (4.4) including excessive premium growth and weak results on operational trends.
Other Rating Factors:
Strong long-term capitalization index (8.6) 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 (75.1%), homeowners (24.9%)
Licensed in:
All states
Principal Investments:
Common stock (54.6%), investment grade bonds (41.4%), cash (0.9%), other (3.1%)
Corporate Info
Group Affiliation
The Allstate Corporation
Investment Rating
Company Address
3100 Sanders Road
Northbrook, IL 60062
Northbrook, IL 60062
Phone Number
(847) 402-5000
NAIC Number
25712
Website
Largest Affiliates