Major Rating Factors:
Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair overall results on stability tests (4.1) including excessive premium growth. The largest net exposure for one risk is excessive at 7.4% of capital. Strengths include potentially strong support from affiliation with Grange Mutual Holding Co. 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:
Superior liquidity (10.0) with ample operational cash flow and liquid investments. Weak profitability index (2.4) with small operating losses during 2025.
Stability Factors:
R - Concerns about the financial strength of its reinsurers.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (64.9%), homeowners (16.7%), comm multi (14.2%), fire (1.8%), work comp (1.0%), other (1.3%)
Licensed in:
AZ, CO, GA, IA, IL, IN, KS, KY, MD, MN, MO, MS, NC, ND, NE, OH, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV
Principal Investments:
Investment grade bonds (98.3%), other (1.7%)
Corporate Info
Group Affiliation
Grange Mutual Holding Co
Investment Rating
--
Company Address
671 South High Street
Columbus, OH 43206
Columbus, OH 43206
Phone Number
(614) 445-2900
NAIC Number
40118
Website
Largest Affiliates