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) with small operating losses during 2025. Excellent expense controls. Good overall results on stability tests (6.4) despite excessive premium growth. Stability strengths include good operational trends and excellent risk diversification.
Other Rating Factors:
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. Good liquidity (7.0) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
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Licensed in:
AK, CA, ID, MA, MT, OR, UT, WA, WY
Principal Investments:
Investment grade bonds (73.4%), common stock (26.0%), other (0.5%)
Corporate Info
Group Affiliation
Liberty Mutual Holding Co Inc
Investment Rating
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Company Address
175 Berkeley Street
Boston, MA 02116
Boston, MA 02116
Phone Number
(617) 357-9500
NAIC Number
41939
Largest Affiliates