Major Rating Factors:
Fair profitability index (4.2 on a scale of 0 to 10) with operating losses during 2022 and 2023. Fair overall results on stability tests (3.3) including excessive premium growth and negative cash flow from operations for 2025. Strengths include potentially strong support from affiliation with Community Holdings Management Inc. History of adequate reserve strength (5.8) as reserves have been consistently at an acceptable level.
Other Rating Factors:
Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business:
Homeowners (54.3%), fire (27.6%), comm multi (12.3%), farmowners (2.3%), other (3.5%)
Licensed in:
PA
Principal Investments:
Investment grade bonds (42.0%), cash (35.3%), common stock (17.1%), preferred stock (1.0%), other (4.6%)
Corporate Info
Group Affiliation
Community Holdings Management Inc
Investment Rating
--
Company Address
3500 Winchester Road
Allentown, PA 18104
Allentown, PA 18104
Phone Number
(610) 434-5179
NAIC Number
17485
Website
Largest Affiliates