B
XL Ins America Inc
Rating Date
June 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: Fair reserve development (3.5 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair profitability index (4.3) with operating gains in each of the last five years. Return on equity has been fair, averaging 11.7% over the past five years. Good liquidity (6.2) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors: Good overall results on stability tests (5.5) despite excessive premium growth. Stability strengths include good historical capital adequacy and excellent risk diversification. Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting improvement over results in 2021.
Stability Factors: T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Fire (20.3%), work comp (7.4%), product liab. (1.6%), personal/comm auto (0.8%), other (69.9%)
Licensed in: All states and GU, PR, VI
Principal Investments: Investment grade bonds (75.3%), common stock (7.3%), other (17.5%)
Ratios
Premium to Surplus
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Reserve to Surplus
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1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
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Combined Ratio
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Cash From Underwriting
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Net Premium Growth
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Investments in Affiliates
Corporate Info
Group Affiliation
AXA SA
Investment Rating
--
Company Address
677 Washington Blvd
Stamford, CT 06901
Phone Number
(203) 964-5200
NAIC Number
24554
Largest Affiliates
B
New York, NY - L&A
A
Stamford, CT - P&C
B
Stamford, CT - P&C
C
Stamford, CT - P&C