B
Sentry Casualty Co
Rating Date
June 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Good overall results on stability tests (6.3 on a scale of 0 to 10) despite excessive premium growth and negative cash flow from operations for 2024. 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), despite some fluctuation in capital levels. Excellent profitability index (8.3) with operating gains in each of the last five years. Return on equity has been good over the last five years, averaging 11.8%.
Other Rating Factors: Superior liquidity (10.0) with ample operational cash flow and liquid investments. Fair reserve development (4.8) as reserves have generally been sufficient to cover claims.
Stability Factors: F - Negative cash flow. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Work comp (122.1%)
Licensed in: All states
Principal Investments: Investment grade bonds (99.1%), other (0.9%)
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
Investments in Affiliates
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Corporate Info
Group Affiliation
Sentry Mutual Holding Co
Investment Rating
--
Company Address
1800 North Point Drive
Stevens Point, WI 54481
Phone Number
(715) 346-6000
NAIC Number
28460
Largest Affiliates
B
Stevens Point, WI - P&C
A
STEVENS POINT, WI - L&A
B
Stevens Point, WI - P&C
C
Nashville, TN - P&C
B
Stevens Point, WI - P&C