Major Rating Factors:
Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair overall results on stability tests (4.4) including excessive premium growth. The largest net exposure for one risk is excessive at 6.5% of capital. Good profitability index (4.9) with operating gains in each of the last five years. Excellent expense controls. Return on equity has been low, averaging 2.5% over the past five years.
Other Rating Factors:
Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Excellent liquidity (7.0) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
Principal Lines of Business:
Personal/comm auto (99.7%), homeowners (0.3%)
Licensed in:
AR, AZ, CO, FL, GA, IA, ID, IL, IN, KY, MN, MO, MT, NC, ND, NE, NJ, NV, OH, OR, PA, SC, SD, TN, UT, VA, WA, WI
Principal Investments:
Investment grade bonds (99.7%), cash (0.1%), other (0.1%)
Corporate Info
Group Affiliation
Kemper Corporation
Investment Rating
Company Address
8360 LBJ Freeway
Dallas, TX 75243
Dallas, TX 75243
Phone Number
(972) 690-5500
NAIC Number
38156
Website
Largest Affiliates