Major Rating Factors:
Fair profitability index (4.2 on a scale of 0 to 10) with operating losses during 2020, 2024 and the first three months of 2025. Return on equity has been low, averaging 0.2% over the past five years. Fair overall results on stability tests (4.5) including. The largest net exposure for one risk is excessive at 5.0% of capital. Strengths include potentially strong support from affiliation with Klinefelter Ins Group. Strong long-term capitalization index (9.5) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
Ample reserve history (9.2) that helps to protect the company against sharp claims increases. Excellent liquidity (7.6) with ample operational cash flow and liquid investments.
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