Major Rating Factors:
Vulnerable liquidity (1.7 on a scale of 0 to 10) as a spike in claims may stretch capacity. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. Good overall profitability index (5.2). Excellent expense controls.
Other Rating Factors:
Good overall results on stability tests (6.6) despite excessive premium growth and negative cash flow from operations for 2025. Other stability subfactors include potentially strong support from affiliation with American Family Ins Group, good operational trends and excellent risk diversification. 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.
Stability Factors:
F - Negative cash flow.
L - Past results on our liquidity tests.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Homeowners (92.7%), med mal (0.5%), personal/comm auto (0.2%), fire (0.2%), other (6.5%)
Licensed in:
All states except CA, IL, KS, MO, NH, NY
Principal Investments:
Investment grade bonds (98.0%), other (2.0%)
Corporate Info
Group Affiliation
American Family Ins Group
Investment Rating
--
Company Address
290 Congress St.
Boston, MA 02210
Boston, MA 02210
Phone Number
(617) 832-1300
NAIC Number
17221
Website
Largest Affiliates