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 overall results on stability tests (3.3) including excessive premium growth. The largest net exposure for one risk is excessive at 9.3% of capital. Strengths include potentially strong support from affiliation with Grange Mutual Holding Co. 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.
Other Rating Factors:
Superior liquidity (10.0) with ample operational cash flow and liquid investments. Weak profitability index (2.4) with small operating losses during 2025.
Stability Factors:
R - Concerns about the financial strength of its reinsurers.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (59.3%), homeowners (35.8%), comm multi (3.1%), farmowners (0.2%), work comp (0.2%), other (1.5%)
Licensed in:
AZ, GA, IA, IL, IN, KS, KY, MD, MN, MO, MS, NC, OH, PA, TN, UT, VA, WI, WV
Principal Investments:
Investment grade bonds (98.6%), other (1.4%)
Corporate Info
Group Affiliation
Grange Mutual Holding Co
Investment Rating
--
Company Address
671 South High Street
Columbus, OH 43206
Columbus, OH 43206
Phone Number
(614) 445-2900
NAIC Number
10322
Website
Largest Affiliates