Major Rating Factors:
History of adequate reserve strength (5.7 on a scale of 0 to 10) as reserves have been consistently at an acceptable level. Good overall profitability index (5.5) despite operating losses during 2022. Good liquidity (6.0) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors:
Good overall results on stability tests (6.4) despite. Stability strengths include good operational trends and excellent risk diversification. The largest net exposure for one risk is acceptable at 3.0% of capital. Strong long-term capitalization index (7.6) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Stability Factors:
Principal Lines of Business:
Personal/comm auto (29.3%), homeowners (19.8%), fire (13.6%), work comp (6.9%), comm multi (4.1%), fin guar/surety (2.8%), med mal (0.8%), farmowners (0.7%), product liab. (0.4%), other (21.8%)
Licensed in:
All states and Canada, PR, VI
Principal Investments:
Investment grade bonds (66.1%), non investment grade bonds (7.0%), common stock (3.1%), preferred stock (0.1%), other (23.7%)
Corporate Info
Group Affiliation
Liberty Mutual Holding Co Inc
Investment Rating
--
Company Address
175 Berkeley Street
Boston, MA 02116
Boston, MA 02116
Phone Number
(617) 357-9500
NAIC Number
21458
Largest Affiliates