C
Crum & Forster Spclty 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. Fair profitability index (4.7). Good liquidity (6.8) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors: Good overall results on stability tests (5.9) 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: Personal/comm auto (25.1%), product liab. (10.7%), comm multi (2.2%), fire (1.7%), other (60.4%)
Licensed in: (No states)
Principal Investments: Investment grade bonds (96.6%), cash (0.3%), other (3.1%)
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
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Corporate Info
Group Affiliation
Fairfax Financial Holdings Limited
Investment Rating
--
Company Address
305 Madison Avenue
Morristown, NJ 07960
Phone Number
(973) 490-6600
NAIC Number
44520
Largest Affiliates
B
Stamford, CT - P&C
C
Morristown, NJ - P&C
C
New York, NY - P&C
C
A
New York, NY - P&C