WestGUARD Ins Co
Major Rating Factors:
Strong long-term capitalization index (7.1 on a scale of 0 to 10) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. History of adequate reserve strength (6.9) as reserves have been consistently at an acceptable level. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Other Rating Factors:
Excellent overall results on stability tests (7.0). Stability strengths include good operational trends and excellent risk diversification. Fair profitability index (4.8) with small operating losses during 2024 and the first three months of 2025. Return on equity has been low, averaging 2.2% over the past five years.
Stability Factors:
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Work comp (32.8%), comm multi (22.5%), personal/comm auto (21.6%), homeowners (17.7%), fire (0.2%), other (5.2%)
Licensed in:
All states except IL, OR
Principal Investments:
Common stock (85.4%), cash (10.0%), investment grade bonds (4.1%), real estate (0.4%), other (0.1%)
Corporate Info
Group Affiliation
Berkshire Hathaway Inc
Investment Rating
--
Company Address
39 Public Square
Wilkes-Barre, PA 18701
Wilkes-Barre, PA 18701
Phone Number
--
NAIC Number
11981
Website
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