B
Middlesex Ins Co
Rating Date
April 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: Good overall results on stability tests (6.5 on a scale of 0 to 10) despite. Stability strengths include good operational trends and excellent risk diversification. 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 profitability index (8.1).
Other Rating Factors: Good liquidity (6.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Fair reserve development (4.8) as reserves have generally been sufficient to cover claims.
Stability Factors: T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (32.1%), work comp (15.5%), fire (7.1%), product liab. (5.6%), other (39.6%)
Licensed in: All states
Principal Investments: Investment grade bonds (88.2%), common stock (9.7%), non investment grade bonds (0.3%), other (1.8%)
Ratios
Premium to Surplus
Reserve to Surplus
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1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
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Cash From Underwriting
Net Premium Growth
Investments in Affiliates
Corporate Info
Group Affiliation
Sentry Mutual Holding Co
Investment Rating
--
Company Address
1800 North Point Drive
Stevens Point, WI 54481
Phone Number
(715) 346-6000
NAIC Number
23434
Website
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Largest Affiliates
B
Stevens Point, WI - P&C
A
STEVENS POINT, WI - L&A
B
Stevens Point, WI - P&C
B
Stevens Point, WI - P&C
B
Stevens Point, WI - P&C