Major Rating Factors:
Strong long-term capitalization index (10.0 on a scale of 0 to 10) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Furthermore, this high level of risk adjusted capital has been consistently maintained in previous years. Ample reserve history (9.3) that helps to protect the company against sharp claims increases. Excellent profitability index (8.6).
Other Rating Factors:
Good liquidity (7.0) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Good overall results on stability tests (6.6) despite. Stability strengths include good operational trends and good risk diversification.
Stability Factors:
L - Past results on our liquidity tests.
R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business:
Homeowners (54.1%), fire (13.4%), comm multi (12.1%), farmowners (3.4%), personal/comm auto (0.3%), other (16.7%)
Licensed in:
DE, IN, MA, MD, NC, NJ, OH, PA, VA
Principal Investments:
Investment grade bonds (74.2%), common stock (8.6%), real estate (6.3%), cash (0.7%), non investment grade bonds (0.4%), other (9.6%)
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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