Trans Pacific Ins Co
Rating Date
October 2025
NAIC
Classification
Classification
Risk Adjusted
Capital Ratio #1
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Capital Ratio #2
Loss
Ratio
Ratio
Total
Assets
Assets
Capital
Net
Premiums
Premiums
Net
Income
Income
Major Rating Factors:
Good overall profitability index (5.1 on a scale of 0 to 10) with operating gains in each of the last five years. Excellent expense controls. Return on equity has been low, averaging 2.1% over the past five years. Good overall results on stability tests (5.9) despite negative cash flow from operations for 2024. 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.
Other Rating Factors:
History of adequate reserve strength (7.0) as reserves have been consistently at an acceptable level. Excellent liquidity (7.9) with ample operational cash flow and liquid investments.
Stability Factors:
F - Negative cash flow.
G - Fast asset or premium growth.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (47.5%), work comp (20.7%), fire (13.3%), comm multi (8.8%), product liab. (1.6%), homeowners (0.3%), other (7.8%)
Licensed in:
All states except LA, NH, NM, VT
Principal Investments:
Investment grade bonds (87.3%), cash (12.7%)
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
Tokio Marine Holdings Inc
Investment Rating
--
Company Address
Three Bala Plaza, East
Bala Cynwyd, PA 19004
Bala Cynwyd, PA 19004
Phone Number
(610) 227-1253
NAIC Number
41238
Website
Largest Affiliates