B
Utica Specialty Risk Ins Co
Rating Date
June 2025
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 overall results on stability tests (6.2) 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). Moreover, capital levels have been consistent in recent years.
Other Rating Factors: Excellent profitability index (7.7) with operating gains in each of the last five years. Excellent expense controls. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Stability Factors: D - Limited diversification of general business, policy, and/or investment risk.
Principal Lines of Business: Work comp (70.4%), comm multi (29.6%)
Licensed in: NY, TX
Principal Investments: Investment grade bonds (98.5%), other (1.5%)
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
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Net Premium Growth
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Investments in Affiliates
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Corporate Info
Group Affiliation
Utica National Ins Group
Investment Rating
--
Company Address
2435 North Central Expressway
Richardson, TX 75080
Phone Number
(800) 598-8422
NAIC Number
43451
Largest Affiliates
B
New Hartford, NY - P&C
B
New Hartford, NY - P&C
B
New Hartford, NY - P&C
B
Columbus, OH - P&C
B
New Hartford, NY - P&C