Major Rating Factors:
Strong long-term capitalization index (7.7 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. Ample reserve history (9.3) that helps to protect the company against sharp claims increases. Excellent profitability index (7.3) with operating gains in each of the last five years.
Other Rating Factors:
Good liquidity (6.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Excellent overall results on stability tests (8.6). Stability strengths include excellent operational trends and excellent risk diversification.
Stability Factors:
L - Past results on our liquidity tests.
Principal Lines of Business:
Personal/comm auto (22.9%), comm multi (22.1%), homeowners (16.0%), work comp (3.6%), fire (1.8%), product liab. (1.4%), fin guar/surety (1.2%), med mal (0.5%), other (30.5%)
Licensed in:
All states and PR
Principal Investments:
Investment grade bonds (45.8%), common stock (42.2%), cash (3.1%), non investment grade bonds (2.1%), preferred stock (2.0%), other (4.9%)
Corporate Info
Group Affiliation
Cincinnati Financial Corporation
Investment Rating
Company Address
6200 South Gilmore Road
Fairfield, OH 45014
Fairfield, OH 45014
Phone Number
(513) 870-2000
NAIC Number
10677
Website
Largest Affiliates