B
Cincinnati Spclty Underwriters
Rating Date
June 2025
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: History of adequate reserve strength (6.1 on a scale of 0 to 10) as reserves have been consistently at an acceptable level. Good long-term capitalization index (6.9) based on good current risk adjusted capital (severe and moderate loss scenarios), although results have slipped from the excellent range during the last year. Excellent profitability index (8.4) with operating gains in each of the last five years. Return on equity has been good over the last five years, averaging 10.4%.
Other Rating Factors: Excellent liquidity (8.3) with ample operational cash flow and liquid investments. Excellent overall results on stability tests (8.1). Strengths include potentially strong support from affiliation with Cincinnati Financial Corporation, 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 (20.1%), product liab. (6.7%), fire (4.8%), med mal (0.2%), other (68.2%)
Licensed in: (No states)
Principal Investments: Investment grade bonds (73.9%), common stock (18.6%), non investment grade bonds (2.1%), cash (2.1%), other (3.3%)
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
Cincinnati Financial Corporation
Investment Rating
Company Address
6200 South Gilmore Road
Fairfield, OH 45014
Phone Number
(513) 870-2000
NAIC Number
13037
Largest Affiliates
A
Fairfield, OH - P&C
B
FAIRFIELD, OH - L&A
B
Fairfield, OH - P&C
B
Fairfield, OH - P&C