C
Traders Ins Co
Rating Date
October 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Fair reserve development (4.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Good overall profitability index (6.6) despite operating losses during 2022. Return on equity has been good over the last five years, averaging 16.6%. Good liquidity (6.6) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors: Good overall results on stability tests (6.0) despite. Stability strengths include excellent operational trends and good risk diversification. Strong long-term capitalization index (7.5) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting improvement over results in 2020.
Stability Factors: T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (99.9%), fire (0.1%)
Licensed in: AR, AZ, IA, IN, KS, KY, MO, NE, NM, OK, WI
Principal Investments: Investment grade bonds (73.4%), other (26.6%)
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
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Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
9300 Troost Avenue
Kansas City, MO 64131
Phone Number
(816) 822-1887
NAIC Number
42749
Largest Affiliates
No affiliate information available.