C
Zurich American Ins Co
Rating Date
June 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
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Major Rating Factors: Fair overall results on stability tests (4.5 on a scale of 0 to 10) including. The largest net exposure for one risk is excessive at 6.2% of capital. Good overall profitability index (6.4) with operating gains in each of the last five years. Return on equity has been good over the last five years, averaging 10.9%. Strong long-term capitalization index (7.4) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting improvement over results in 2021.
Other Rating Factors: History of adequate reserve strength (7.0) as reserves have been consistently at an acceptable level. Excellent liquidity (8.2) with ample operational cash flow and liquid investments.
Stability Factors: R - Concerns about the financial strength of its reinsurers. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Work comp (16.4%), personal/comm auto (12.4%), fire (5.8%), fin guar/surety (4.2%), comm multi (4.0%), product liab. (1.0%), homeowners (0.8%), other (55.4%)
Licensed in: All states and GU, MP, PR, VI
Principal Investments: Investment grade bonds (65.2%), common stock (11.3%), non investment grade bonds (5.7%), other (17.9%)
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Investments in Affiliates
Corporate Info
Group Affiliation
Zurich Ins Group AG
Investment Rating
--
Company Address
1299 Zurich Way
Schaumburg, IL 60196
Phone Number
(847) 605-6000
NAIC Number
16535
Largest Affiliates
C
SCHAUMBURG, IL - L&A
B
C
Anoka, MN - P&C
B
Woodland Hills, CA - P&C
C
SPRINGFIELD, MA - L&A