Major Rating Factors:
Fair profitability index (4.3 on a scale of 0 to 10). Good long-term capitalization index (5.6) based on good current risk adjusted capital (severe loss scenarios), although results have slipped from the excellent range during the last year. Good overall results on stability tests (6.8) despite excessive premium growth. Stability strengths include good operational trends and excellent risk diversification.
Other Rating Factors:
Vulnerable liquidity (2.7) as a spike in claims may stretch capacity. Ample reserve history (8.3) that helps to protect the company against sharp claims increases.
Stability Factors:
L - Past results on our liquidity tests.
Principal Lines of Business:
Homeowners (42.4%), work comp (32.3%), personal/comm auto (0.3%), med mal (0.2%), product liab. (0.1%), other (24.7%)
Licensed in:
All states and GU, PR
Principal Investments:
Investment grade bonds (59.7%), common stock (22.3%), cash (7.3%), other (10.7%)
Corporate Info
Group Affiliation
QBE Ins Group Limited
Investment Rating
--
Company Address
10 Terrace Ct
Madison, WI 53718
Madison, WI 53718
Phone Number
(800) 362-5448
NAIC Number
37257
Website
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