Major Rating Factors:
History of adequate reserve strength (6.9 on a scale of 0 to 10) as reserves have been consistently at an acceptable level. Good liquidity (6.2) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Strong long-term capitalization index (8.2) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
Excellent profitability index (7.5). Excellent overall results on stability tests (8.0). Stability strengths include good operational trends and excellent risk diversification.
Stability Factors:
Principal Lines of Business:
Personal/comm auto (28.4%), homeowners (26.3%), comm multi (5.5%), fin guar/surety (4.4%), fire (3.4%), work comp (3.2%), med mal (1.2%), farmowners (1.0%), product liab. (0.6%), other (25.8%)
Licensed in:
All states except HI, NJ
Principal Investments:
Investment grade bonds (52.0%), non investment grade bonds (11.6%), common stock (3.4%), preferred stock (0.3%), other (32.7%)
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
24198
Largest Affiliates