B
Stillwater P&C Ins Co
Rating Date
October 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
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Major Rating Factors: History of adequate reserve strength (5.3 on a scale of 0 to 10) as reserves have been consistently at an acceptable level. Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Excellent profitability index (7.8) with operating gains in each of the last five years. Return on equity has been good over the last five years, averaging 10.5%.
Other Rating Factors: Superior liquidity (9.2) with ample operational cash flow and liquid investments. Excellent overall results on stability tests (7.4). Stability strengths include excellent operational trends and excellent risk diversification.
Stability Factors: A - Financial problems or weaknesses of a parent or affiliate company. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Homeowners (76.0%), personal/comm auto (9.9%), comm multi (6.9%), fire (0.9%), other (6.4%)
Licensed in: All states
Principal Investments: Investment grade bonds (63.7%), preferred stock (11.9%), non investment grade bonds (8.5%), common stock (0.9%), other (15.0%)
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Net Premium Growth
Investments in Affiliates
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Corporate Info
Group Affiliation
WT Holdings Inc
Investment Rating
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Company Address
6800 Southpoint Parkway
Jacksonville, FL 32216
Phone Number
(800) 691-6140
NAIC Number
16578
Largest Affiliates
C
Jacksonville, FL - P&C
C
Glen Allen, VA - P&C
B
Independence, OH - P&C