C
Crum & Forster Ins Co
Rating Date
October 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Capital
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Premiums
Net
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Major Rating Factors: Good liquidity (6.4 on a scale of 0 to 10) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Good overall results on stability tests (6.6) despite. Strong long-term capitalization index (7.7) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital has steadily grown over the last five years.
Other Rating Factors: Ample reserve history (8.0) that can protect against increases in claims costs. Excellent profitability index (8.7) with operating gains in each of the last five years.
Stability Factors: D - Limited diversification of general business, policy, and/or investment risk.
Principal Lines of Business: Personal/comm auto (12.1%), comm multi (8.3%), fire (4.4%), fin guar/surety (4.1%), product liab. (3.6%), work comp (2.8%), other (64.6%)
Licensed in: (No states)
Principal Investments: Investment grade bonds (99.5%), cash (0.5%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
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Investments in Affiliates
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Corporate Info
Group Affiliation
Fairfax Financial Holdings Limited
Investment Rating
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Company Address
305 Madison Avenue
Morristown, NJ 07960
Phone Number
(973) 490-6600
NAIC Number
42471
Website
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Largest Affiliates
B
Stamford, CT - P&C
C
Morristown, NJ - P&C
C
New York, NY - P&C
C
B
New York, NY - P&C