Major Rating Factors:
Good overall results on stability tests (6.9 on a scale of 0 to 10) despite. Stability strengths include excellent operational trends and good 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. Ample reserve history (9.3) that helps to protect the company against sharp claims increases.
Other Rating Factors:
Excellent profitability index (8.6) with operating gains in each of the last five years. Excellent liquidity (7.1) with ample operational cash flow and liquid investments.
Stability Factors:
Principal Lines of Business:
Homeowners (52.3%), fire (14.9%), comm multi (10.7%), farmowners (3.9%), personal/comm auto (0.4%), other (17.8%)
Licensed in:
DE, IN, MA, MD, NC, NJ, OH, PA, VA
Principal Investments:
Investment grade bonds (61.4%), cash (15.4%), real estate (7.0%), common stock (6.2%), non investment grade bonds (1.0%), other (8.9%)
Corporate Info
Group Affiliation
Klinefelter Ins Group
Investment Rating
--
Company Address
1 E. Main Street
Ephrata, PA 17522
Ephrata, PA 17522
Phone Number
(717) 733-8648
NAIC Number
26166
Website
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