Major Rating Factors:
Fair profitability index (4.5 on a scale of 0 to 10) with operating losses during 2021, 2022, 2023 and 2024. Vulnerable liquidity (2.9) as a spike in claims may stretch capacity. Strong long-term capitalization index (7.7) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
History of adequate reserve strength (7.0) as reserves have been consistently at an acceptable level. Excellent overall results on stability tests (8.4). Stability strengths include excellent operational trends and excellent risk diversification.
Stability Factors:
L - Past results on our liquidity tests.
Principal Lines of Business:
Personal/comm auto (52.2%), homeowners (25.7%), fire (3.0%), comm multi (2.5%), farmowners (2.0%), other (14.6%)
Licensed in:
AR, CO, IA, IL, IN, KS, KY, LA, MD, MO, MS, NE, NV, OH, OK, TN, TX, VT
Principal Investments:
Investment grade bonds (37.0%), common stock (34.6%), real estate (1.0%), non investment grade bonds (0.6%), preferred stock (0.1%), other (26.6%)
Corporate Info
Group Affiliation
Shelter Mutual Ins Co
Investment Rating
--
Company Address
1817 West Broadway
Columbia, MO 65218
Columbia, MO 65218
Phone Number
(573) 445-8441
NAIC Number
23388
Website
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