Major Rating Factors:
Good profitability index (4.9 on a scale of 0 to 10) with operating gains in each of the last five years. Excellent expense controls. Return on equity has been low, averaging 2.0% over the past five years. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. 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.
Other Rating Factors:
Excellent liquidity (7.0) with ample operational cash flow and liquid investments. Excellent overall results on stability tests (7.0) despite excessive premium growth. Stability strengths include good operational trends and excellent risk diversification.
Stability Factors:
Principal Lines of Business:
Personal/comm auto (83.1%), homeowners (15.9%), other (1.0%)
Licensed in:
All states except DC, DE, HI, MA, ME, NC, ND, NH, NJ, NY, RI, SC, SD, VT, WV
Principal Investments:
Investment grade bonds (61.2%), common stock (36.0%), other (2.9%)
Corporate Info
Group Affiliation
Liberty Mutual Holding Co Inc
Investment Rating
--
Company Address
175 Berkeley Street
Boston, MA 02116
Boston, MA 02116
Phone Number
(617) 357-9500
NAIC Number
39012
Website
Largest Affiliates