Major Rating Factors:
Good overall results on stability tests (6.0 on a scale of 0 to 10) despite excessive premium growth and negative cash flow from operations for 2025. Stability strengths include good operational trends and excellent risk diversification. 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. History of adequate reserve strength (7.0) as reserves have been consistently at an acceptable level.
Other Rating Factors:
Superior liquidity (9.0) with ample operational cash flow and liquid investments. Fair profitability index (4.9) with small operating losses during 2025.
Stability Factors:
A - Financial problems or weaknesses of a parent or affiliate company.
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Homeowners (98.9%), other (1.1%)
Licensed in:
All states except NJ
Principal Investments:
Investment grade bonds (99.7%), other (0.3%)
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
32352
Largest Affiliates