Major Rating Factors:
Good long-term capitalization index (6.8 on a scale of 0 to 10) based on good current risk adjusted capital (severe loss scenarios). Over the last several years, capital levels have remained relatively consistent. Good overall profitability index (6.5). Good liquidity (6.4) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors:
Fair reserve development (3.8) as the level of reserves has at times been insufficient to cover claims. In 2024 and 2025 the two year reserve development was 17.4% and 22.1% deficient respectively. Excellent overall results on stability tests (7.8). Stability strengths include good operational trends, good risk adjusted capital for prior years and excellent risk diversification.
Stability Factors:
Principal Lines of Business:
Comm multi (10.4%), personal/comm auto (7.8%), homeowners (6.3%), fire (6.1%), fin guar/surety (2.9%), work comp (2.9%), product liab. (1.1%), other (62.5%)
Licensed in:
All states and Canada, PR
Principal Investments:
Investment grade bonds (83.1%), common stock (2.6%), preferred stock (1.8%), non investment grade bonds (1.8%), cash (1.5%), other (9.2%)
Corporate Info
Group Affiliation
Everest Group Ltd
Investment Rating
Company Address
100 Everest Way
Warren, NJ 07059
Warren, NJ 07059
Phone Number
(908) 604-3000
NAIC Number
26921
Largest Affiliates