Major Rating Factors:
Good profitability index (4.9 on a scale of 0 to 10). Excellent expense controls. Good liquidity (6.6) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Good overall results on stability tests (5.9) despite excessive premium growth. Other stability subfactors include potentially strong support from affiliation with The Travelers Companies Inc, good operational trends and excellent risk diversification.
Other Rating Factors:
Fair reserve development (3.6) 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.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
Principal Lines of Business:
Comm multi (85.9%), personal/comm auto (5.3%), product liab. (1.2%), fire (0.4%), other (7.1%)
Licensed in:
All states
Principal Investments:
Investment grade bonds (94.8%), other (5.2%)
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
The Travelers Companies Inc
Investment Rating
Company Address
One Tower Square
Hartford, CT 06183
Hartford, CT 06183
Phone Number
(860) 277-0111
NAIC Number
35386
Website
Largest Affiliates