LIO Ins Co
Major Rating Factors:
A history of deficient reserves (2.9 on a scale of 0 to 10). Underreserving can have an adverse impact on capital and profits. Deficiencies in the two year reserve development occurred in three of the previous five years and ranged between 39.3% and 65.4%. Fair profitability index (3.9) with operating losses during each of the last five years. However, profits have turned positive in the first three months of 2025. Average return on equity over the last five years has been poor at -8.2%. Fair overall results on stability tests (3.9) including weak results on operational trends.
Other Rating Factors:
Good long-term capitalization index (6.2) based on good current risk adjusted capital (severe loss scenarios). Moreover, capital levels have been consistent over the last several years. Excellent liquidity (8.3) with ample operational cash flow and liquid investments.
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:
Comm multi (33.9%), product liab. (8.0%), other (58.1%)
Licensed in:
All states except CO, CT, HI, ME, MN, NY, TN, VT
Principal Investments:
Investment grade bonds (54.8%), common stock (31.8%), cash (12.4%), other (1.0%)
Corporate Info
Group Affiliation
LIO HOlDING Co
Investment Rating
--
Company Address
300 Conshohocken State Road
West Conshohocken, PA 19428
West Conshohocken, PA 19428
Phone Number
(877) 546-7155
NAIC Number
40550
Website
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