Major Rating Factors:
Strong long-term capitalization index (7.5 on a scale of 0 to 10) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years. Ample reserve history (8.1) that helps to protect the company against sharp claims increases. Excellent profitability index (8.8).
Other Rating Factors:
Excellent liquidity (7.1) with ample operational cash flow and liquid investments. Excellent overall results on stability tests (8.2). Strengths include potentially strong support from affiliation with American Financial Group Inc, excellent operational trends and excellent risk diversification.
Stability Factors:
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (75.2%), work comp (11.6%), comm multi (0.7%), other (12.5%)
Licensed in:
All states
Principal Investments:
Investment grade bonds (75.0%), common stock (12.6%), cash (2.0%), preferred stock (1.6%), real estate (1.6%), non investment grade bonds (1.2%), other (5.9%)
Corporate Info
Group Affiliation
American Financial Group Inc
Investment Rating
Company Address
3250 Interstate Drive
Richfield, OH 44286
Richfield, OH 44286
Phone Number
(330) 659-8900
NAIC Number
32620
Website
Largest Affiliates