Major Rating Factors:
Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Good profitability index (4.9). Excellent expense controls. Good overall results on stability tests (6.8) despite excessive premium growth and negative cash flow from operations for 2025. Other stability subfactors include potentially strong support from affiliation with Sentry Mutual Holding Co, good operational trends and excellent risk diversification.
Other Rating Factors:
Strong long-term capitalization index (8.7) 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.
G - Fast asset or premium growth.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
All states except AK, CA, DC, DE, HI, ID, ME, MI, MN, MT, NM, NY
Principal Investments:
Common stock (50.6%), investment grade bonds (49.3%), other (0.2%)
Corporate Info
Group Affiliation
Sentry Mutual Holding Co
Investment Rating
--
Company Address
26 Century Boulevard, South Tower 100
Nashville, TN 37214
Nashville, TN 37214
Phone Number
(629) 228-0493
NAIC Number
22906
Website
Largest Affiliates