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. Ample reserve history (9.1) that helps to protect the company against sharp claims increases. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Other Rating Factors:
Good profitability index (5.0) with operating gains in each of the last five years. Return on equity has been low, averaging 3.1% over the past five years. Good overall results on stability tests (6.6) despite. Stability strengths include good operational trends and excellent risk diversification.
Stability Factors:
A - Financial problems or weaknesses of a parent or affiliate company.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Comm multi (56.5%), work comp (19.0%), homeowners (15.9%), personal/comm auto (1.2%), fire (0.2%), other (7.2%)
Licensed in:
TX
Principal Investments:
Investment grade bonds (98.5%), other (1.5%)
Corporate Info
Group Affiliation
The Hartford Ins Group Inc
Investment Rating
Company Address
19450 Texas State Highway 249
Houston, TX 77070
Houston, TX 77070
Phone Number
(860) 547-5000
NAIC Number
38253
Website
Largest Affiliates