Westchester Surplus Lines Ins
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 (3.7) with operating losses during 2024 and 2025. Fair liquidity (4.4) as cash resources may not be adequate to cover a spike in claims.
Other Rating Factors:
Good overall results on stability tests (6.7) despite excessive premium growth and negative cash flow from operations for 2025. 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:
A - Financial problems or weaknesses of a parent or affiliate company.
F - Negative cash flow.
L - Past results on our liquidity tests.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Fire (18.7%), product liab. (2.3%), personal/comm auto (0.6%), homeowners (0.2%), other (78.2%)
Licensed in:
(No states)
Principal Investments:
Investment grade bonds (97.2%), other (2.8%)
Corporate Info
Group Affiliation
Chubb Limited
Investment Rating
Company Address
436 Walnut Street
Philadelphia, PA 19106
Philadelphia, PA 19106
Phone Number
(215) 640-1000
NAIC Number
10172
Website
Largest Affiliates