Major Rating Factors:
Good liquidity (6.3 on a scale of 0 to 10) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Strong long-term capitalization index (7.7) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Ample reserve history (9.2) that helps to protect the company against sharp claims increases.
Other Rating Factors:
Excellent overall results on stability tests (7.3). Stability strengths include excellent operational trends and excellent risk diversification. Fair profitability index (3.7) with operating losses during 2022, 2024 and 2025.
Stability Factors:
L - Past results on our liquidity tests.
Principal Lines of Business:
Homeowners (70.2%), comm multi (10.8%), fire (6.2%), farmowners (1.6%), other (11.2%)
Licensed in:
DE, KS, MD, MO, NC, PA, SC, VA, WV
Principal Investments:
Common stock (87.2%), investment grade bonds (11.0%), cash (0.8%), real estate (0.3%), other (0.6%)
Corporate Info
Group Affiliation
Lititz Mutual Ins Co
Investment Rating
--
Company Address
Two North Broad Street
Lititz, PA 17543
Lititz, PA 17543
Phone Number
(717) 626-4751
NAIC Number
14400
Website
Largest Affiliates