C
Enumclaw P&C Ins Co
Rating Date
June 2025
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 overall results on stability tests (4.3) including excessive premium growth. Good profitability index (4.9) with operating gains in each of the last five years. Excellent expense controls. Return on equity has been low, averaging 1.6% over the past five years.
Other Rating Factors: Vulnerable liquidity (0.0) as a spike in claims may stretch capacity. Strong long-term capitalization index (9.7) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years.
Stability Factors: D - Limited diversification of general business, policy, and/or investment risk. G - Fast asset or premium growth. L - Past results on our liquidity tests. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Homeowners (44.3%), personal/comm auto (43.2%), fire (4.9%), other (7.6%)
Licensed in: AK, AZ, CO, ID, MT, ND, NM, NV, OR, SD, UT, WA, WI, WY
Principal Investments: Investment grade bonds (78.9%), other (21.1%)
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
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Net Premium Growth
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Investments in Affiliates
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Corporate Info
Group Affiliation
Mutual of Enumclaw Ins Holding Co
Investment Rating
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Company Address
1460 Wells Street
Enumclaw, WA 98022
Phone Number
(360) 825-2591
NAIC Number
11232
Largest Affiliates
C
Enumclaw, WA - P&C