B
Republic-Franklin Ins Co
Rating Date
April 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
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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. History of adequate reserve strength (6.9) as reserves have been consistently at an acceptable level. Excellent profitability index (8.1).
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 (7.9). 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: Comm multi (43.7%), personal/comm auto (28.5%), work comp (10.5%), homeowners (5.1%), other (12.2%)
Licensed in: CT, DC, DE, GA, IL, IN, KS, MA, MD, MI, NC, NH, NJ, NY, OH, PA, RI, SC, TN, TX, VA, WI
Principal Investments: Investment grade bonds (93.3%), common stock (4.8%), cash (0.6%), other (1.2%)
Ratios
Premium to Surplus
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1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
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Cash From Underwriting
Net Premium Growth
Investments in Affiliates
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Corporate Info
Group Affiliation
Utica National Ins Group
Investment Rating
--
Company Address
4449 Easton Way
Columbus, OH 43219
Phone Number
(800) 598-8422
NAIC Number
12475
Largest Affiliates
B
New Hartford, NY - P&C
B
Des Plaines, IL - P&C
B
New Hartford, NY - P&C
B
New Hartford, NY - P&C
B
New Hartford, NY - P&C