E
Ins Placement Facility of PA
Rating Date
April 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Weak profitability index (2.4 on a scale of 0 to 10) with operating losses during 2020, 2021, 2022 and 2023. Weak overall results on stability tests (0.0) including weak risk adjusted capital in prior years and weak risk diversification. The largest net exposure for one risk is excessive at 33.8% of capital. Good liquidity (5.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors: Strong long-term capitalization index (7.6) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Ample reserve history (7.0) that can protect against increases in claims costs.
Stability Factors: D - Limited diversification of general business, policy, and/or investment risk.
Principal Lines of Business: Fire (69.0%), other (31.0%)
Licensed in: PA
Principal Investments: Cash (19.1%), other (80.9%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
--
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
190 North Independence Mall, West
Philadelphia, PA 19106
Phone Number
(215) 629-8800
NAIC Number
30864
Largest Affiliates
No affiliate information available.