TIG Ins Co
Rating Date
June 2026
NAIC
Classification
Classification
Risk Adjusted
Capital Ratio #1
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Capital Ratio #2
Loss
Ratio
Ratio
Total
Assets
Assets
Capital
Net
Premiums
Premiums
Net
Income
Income
Major Rating Factors:
A history of deficient reserves (0.4 on a scale of 0 to 10) that places pressure on both capital and profits. In the last five years, reserves (two year development) fluctuated between 44.1% and 93.2% deficient. Weak profitability index (2.0) with operating losses during each of the last five years. Fair long-term capitalization index (4.1) based on fair current risk adjusted capital (severe loss scenarios), although results have slipped from the good range during the last year.
Other Rating Factors:
Good overall results on stability tests (5.9) despite negative cash flow from operations for 2025 and fair risk adjusted capital in prior years. Excellent liquidity (7.9) with ample operational cash flow and liquid investments.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
F - Negative cash flow.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Work comp (100.0%)
Licensed in:
All states
Principal Investments:
Investment grade bonds (36.1%), common stock (23.0%), preferred stock (3.0%), cash (1.4%), other (36.5%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
Corporate Info
Group Affiliation
Fairfax Financial Holdings Limited
Investment Rating
--
Company Address
250 Commercial Street
Manchester, NH 03101
Manchester, NH 03101
Phone Number
(603) 656-2200
NAIC Number
25534
Website
Largest Affiliates