Major Rating Factors:
History of adequate reserve strength (5.0 on a scale of 0 to 10) as reserves have been consistently at an acceptable level. Good overall profitability index (5.1) with operating gains in each of the last five years. Return on equity has been low, averaging 3.7% over the past five years. Good liquidity (6.4) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors:
Strong long-term capitalization index (7.9) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Excellent overall results on stability tests (8.7). Stability strengths include excellent operational trends and excellent risk diversification.
Stability Factors:
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (34.1%), homeowners (22.2%), comm multi (6.4%), work comp (4.1%), fin guar/surety (4.0%), fire (3.4%), med mal (0.8%), farmowners (0.8%), product liab. (0.6%), other (23.8%)
Licensed in:
All states except HI, NJ
Principal Investments:
Investment grade bonds (58.4%), non investment grade bonds (9.2%), common stock (3.0%), preferred stock (0.1%), other (29.3%)
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
