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 (4.7) including excessive premium growth. Strengths include potentially strong support from affiliation with The Travelers Companies Inc. 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 profitability index (8.9). Excellent expense controls. Excellent liquidity (7.4) 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:
Homeowners (75.6%), fire (0.6%), other (23.8%)
Licensed in:
TX
Principal Investments:
Investment grade bonds (98.8%), cash (1.2%)
Corporate Info
Group Affiliation
The Travelers Companies Inc
Investment Rating
Company Address
One Tower Square
Hartford, CT 06183
Hartford, CT 06183
Phone Number
(860) 277-0111
NAIC Number
41564
Website
Largest Affiliates