A
Covenant Ins Co
Rating Date
June 2026
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: Strong long-term capitalization index (10.0 on a scale of 0 to 10) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Furthermore, this high level of risk adjusted capital has been consistently maintained in previous years. History of adequate reserve strength (7.0) as reserves have been consistently at an acceptable level. Excellent profitability index (7.9).
Other Rating Factors: Excellent overall results on stability tests (7.1). Stability strengths include excellent operational trends and excellent risk diversification. Good liquidity (6.5) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors: L - Past results on our liquidity tests. R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business: Personal/comm auto (63.6%), homeowners (29.1%), comm multi (4.3%), work comp (0.7%), fire (0.2%), other (2.2%)
Licensed in: CT, MA, NH, RI
Principal Investments: Investment grade bonds (97.5%), other (2.5%)
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
Arbella Ins Group
Investment Rating
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Company Address
76 Batterson Park Road
Farmington, CT 06032
Phone Number
(860) 255-0320
NAIC Number
10062
Largest Affiliates
A
Quincy, MA - P&C
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