Major Rating Factors:
Good liquidity (6.9 on a scale of 0 to 10) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Fair profitability index (4.2) with operating losses during 2020 and 2024. Fair overall results on stability tests (4.5) including excessive premium growth. The largest net exposure for one risk is high at 5.0% of capital. Strengths include potentially strong support from affiliation with Klinefelter Ins Group.
Other Rating Factors:
Strong long-term capitalization index (9.6) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Ample reserve history (9.2) that helps to protect the company against sharp claims increases.
Stability Factors:
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:
Homeowners (54.3%), fire (14.5%), comm multi (11.8%), farmowners (3.7%), personal/comm auto (0.4%), other (15.3%)
Licensed in:
PA
Principal Investments:
Investment grade bonds (64.2%), common stock (11.5%), non investment grade bonds (3.2%), cash (0.6%), other (20.5%)
Corporate Info
Group Affiliation
Klinefelter Ins Group
Investment Rating
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Company Address
1 East Main Street
Ephrata, PA 17522
Ephrata, PA 17522
Phone Number
(717) 733-8648
NAIC Number
18007
Website
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Largest Affiliates