Major Rating Factors:
Good liquidity (6.8 on a scale of 0 to 10) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Strong long-term capitalization index (7.3) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Ample reserve history (9.4) that helps to protect the company against sharp claims increases.
Other Rating Factors:
Excellent profitability index (8.1) with operating gains in each of the last five years. Return on equity has been good over the last five years, averaging 11.0%. Excellent overall results on stability tests (7.9). 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:
Work comp (100.0%)
Licensed in:
All states except ND, WA, WY
Principal Investments:
Investment grade bonds (79.5%), common stock (8.6%), non investment grade bonds (7.3%), cash (0.3%), other (4.3%)
Corporate Info
Group Affiliation
Employers Holdings Inc
Investment Rating
Company Address
5340 Kietzke Lane
Reno, NV 89511
Reno, NV 89511
Phone Number
(775) 327-2700
NAIC Number
25402
Website
Largest Affiliates