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. Strong long-term capitalization index (7.2) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Excellent profitability index (8.7).
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 (8.5). Strengths include potentially strong support from affiliation with Cincinnati Financial Corporation, excellent operational trends and excellent risk diversification.
Stability Factors:
Principal Lines of Business:
Homeowners (18.4%), product liab. (6.3%), fire (4.8%), med mal (0.2%), other (70.3%)
Licensed in:
(No states)
Principal Investments:
Investment grade bonds (73.5%), common stock (19.0%), cash (2.2%), non investment grade bonds (1.8%), other (3.4%)
Corporate Info
Group Affiliation
Cincinnati Financial Corporation
Investment Rating
Company Address
6200 South Gilmore Road
Fairfield, OH 45014
Fairfield, OH 45014
Phone Number
(513) 870-2000
NAIC Number
13037
Website
Largest Affiliates