Major Rating Factors:
Strong long-term capitalization index (10.0 on a scale of 0 to 10) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Furthermore, this high level of risk adjusted capital has been consistently maintained in previous years. Excellent profitability index (8.8). History of adequate reserve strength (6.5) as reserves have been consistently at an acceptable level.
Other Rating Factors:
Good liquidity (6.8) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Good overall results on stability tests (6.3) despite. Stability strengths include excellent operational trends and good risk diversification. The largest net exposure for one risk is acceptable at 2.4% of capital.
Stability Factors:
L - Past results on our liquidity tests.
R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business:
Personal/comm auto (84.7%), other (15.3%)
Licensed in:
AZ, DE, FL, GA, KY, MD, NC, OH, PA, SC
Principal Investments:
Common stock (21.0%), investment grade bonds (11.9%), preferred stock (4.4%), cash (2.3%), other (60.3%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
1072 Harrisburg Pike
Carlisle, PA 17013
Carlisle, PA 17013
Phone Number
(717) 240-2129
NAIC Number
35483
Website
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