Major Rating Factors:
Good overall results on stability tests (6.0 on a scale of 0 to 10) despite. The largest net exposure for one risk is high at 3.5% of capital. 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 (8.8) with operating gains in each of the last five years. Superior liquidity (9.0) with ample operational cash flow and liquid investments.
Stability Factors:
A - Financial problems or weaknesses of a parent or affiliate company.
R - Concerns about the financial strength of its reinsurers.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Fire (22.4%), personal/comm auto (0.3%), other (77.2%)
Licensed in:
IA, KS, MI, MN, MO and PR
Principal Investments:
Investment grade bonds (84.4%), common stock (4.6%), non investment grade bonds (1.2%), cash (0.5%), preferred stock (0.1%), other (9.2%)
Corporate Info
Group Affiliation
Shelter Mutual Ins Co
Investment Rating
--
Company Address
1817 West Broadway
Columbia, MO 65218
Columbia, MO 65218
Phone Number
(573) 445-8441
NAIC Number
26557
Website
Largest Affiliates