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 (4.1) including excessive premium growth. Strong long-term capitalization index (9.9) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
Excellent profitability index (7.9). Excellent expense controls. Good liquidity (7.0) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
AL, AZ, FL, GA, IL, MI, MO, NV, NY, OH, PA, SC, TN, TX
Principal Investments:
Investment grade bonds (100.0%)
Corporate Info
Group Affiliation
Kemper Corporation
Investment Rating
Company Address
200 East Randolph Street
Chicago, IL 60601
Chicago, IL 60601
Phone Number
(312) 661-4600
NAIC Number
11738
Website
Largest Affiliates