Major Rating Factors:
Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Good overall results on stability tests (6.7) despite excessive premium growth. 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). Moreover, capital levels have been consistent in recent years.
Other Rating Factors:
Excellent profitability index (8.0) with operating gains in each of the last five years. Excellent expense controls. Good liquidity (7.0) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors:
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Comm multi (24.3%), med mal (21.1%), product liab. (2.3%), fire (0.2%), other (52.1%)
Licensed in:
(No states)
Principal Investments:
Investment grade bonds (87.0%), cash (0.6%), other (12.4%)
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
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Investments in Affiliates
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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
25445
Largest Affiliates