B
American Zurich Ins Co
Rating Date
June 2026
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Good profitability index (4.9). Excellent expense controls. Good liquidity (6.5) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors: Good overall results on stability tests (6.7) despite excessive premium growth. 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), despite some fluctuation in capital levels.
Stability Factors: G - Fast asset or premium growth. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Work comp (31.0%), comm multi (5.9%), personal/comm auto (2.0%), product liab. (0.2%), other (60.8%)
Licensed in: All states
Principal Investments: Investment grade bonds (78.4%), common stock (16.6%), other (5.0%)
Ratios
Premium to Surplus
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Reserve to Surplus
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1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
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Combined Ratio
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Cash From Underwriting
Net Premium Growth
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Investments in Affiliates
Corporate Info
Group Affiliation
Zurich Ins Group AG
Investment Rating
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Company Address
1299 Zurich Way
Schaumburg, IL 60196
Phone Number
(847) 605-6000
NAIC Number
40142
Website
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Largest Affiliates
C
Schaumburg, IL - P&C
C
SCHAUMBURG, IL - L&A
C
B
Woodland Hills, CA - P&C
C
SPRINGFIELD, MA - L&A