B
Tri-Century Ins Co
Rating Date
October 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
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Major Rating Factors: Fair profitability index (4.5 on a scale of 0 to 10) with operating losses during 2022, 2023 and the first six months of 2025. Average return on equity over the last five years has been poor at -0.4%. Fair overall results on stability tests (4.5) including. The largest net exposure for one risk is conservative at 1.4% of capital. Good long-term capitalization index (5.7) based on good current risk adjusted capital (severe and moderate loss scenarios), although results have slipped from the excellent range over the last two years.
Other Rating Factors: History of adequate reserve strength (5.7) as reserves have been consistently at an acceptable level. Superior liquidity (9.0) with ample operational cash flow and liquid investments.
Stability Factors: A - Financial problems or weaknesses of a parent or affiliate company. D - Limited diversification of general business, policy, and/or investment risk. G - Fast asset or premium growth. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Med mal (100.0%)
Licensed in: PA
Principal Investments: Investment grade bonds (73.8%), non investment grade bonds (3.0%), other (23.2%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
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Corporate Info
Group Affiliation
UPMC
Investment Rating
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Company Address
US Steel Building
Pittsburgh, PA 15219
Phone Number
(412) 432-7698
NAIC Number
17990
Website
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Largest Affiliates
C
Pittsburgh, PA - P&C
C
Pittsburgh, PA - P&C
C
Pittsburgh, PA - P&C