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 liquidity (6.8) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Strong long-term capitalization index (7.1) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
Excellent profitability index (8.4). 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:
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%)
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