C
Allstate Indemnity Co
Rating Date
June 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Weak profitability index (1.9 on a scale of 0 to 10) with operating gains in each of the last five years. Return on equity has been low, averaging 2.2% over the past five years. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. Fair overall results on stability tests (4.3) including excessive premium growth, weak results on operational trends and negative cash flow from operations for 2024.
Other Rating Factors: 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. Excellent liquidity (7.0) with ample operational cash flow and liquid investments.
Stability Factors: F - Negative cash flow. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (36.4%), homeowners (29.2%), comm multi (23.0%), other (11.4%)
Licensed in: All states except NJ
Principal Investments: Investment grade bonds (83.0%), other (17.0%)
Ratios
Premium to Surplus
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Reserve to Surplus
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1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
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Combined Ratio
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Cash From Underwriting
Net Premium Growth
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Investments in Affiliates
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Corporate Info
Group Affiliation
The Allstate Corporation
Investment Rating
ALL
Company Address
3100 Sanders Road
Northbrook, IL 60062
Phone Number
(847) 402-5000
NAIC Number
19240
Largest Affiliates
C
Northbrook, IL - P&C
D
Winston-Salem, NC - P&C
C
JACKSONVILLE, FL - L&A
C
Winston-Salem, NC - P&C