B
Germantown 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). Moreover, capital levels have been consistent in recent years. Ample reserve history (9.3) that helps to protect the company against sharp claims increases. Excellent profitability index (8.0).
Other Rating Factors: Excellent liquidity (7.1) with ample operational cash flow and liquid investments. Excellent overall results on stability tests (7.3). Stability strengths include excellent operational trends and excellent risk diversification.
Stability Factors: T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Homeowners (88.7%), fire (5.2%), other (6.1%)
Licensed in: DC, DE, MD, NJ, PA, VA
Principal Investments: Investment grade bonds (87.3%), non investment grade bonds (6.2%), cash (5.4%), other (1.1%)
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
Philadelphia Contributionship Mutual Holding Co
Investment Rating
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Company Address
210 South Fourth Street
Philadelphia, PA 19106
Phone Number
(888) 627-1752
NAIC Number
11282
Largest Affiliates
B
Philadelphia, PA - P&C
B
Philadelphia, PA - P&C