Major Rating Factors:
Fair reserve development (4.1 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair profitability index (4.7) with operating losses during 2020, 2021 and 2022. Fair overall results on stability tests (3.2) including excessive premium growth.
Other Rating Factors:
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. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
Principal Lines of Business:
Fire (47.4%), product liab. (0.9%), other (51.7%)
Licensed in:
AR, IL, IN, KS, MO, OK, TN
Principal Investments:
Investment grade bonds (55.7%), cash (2.0%), other (42.3%)
Corporate Info
Group Affiliation
Kemper Corporation
Investment Rating
Company Address
200 East Randolph Street
Chicago, IL 60601
Chicago, IL 60601
Phone Number
(314) 819-4300
NAIC Number
36625
Website
Largest Affiliates