A
Philadelphia Indemnity Ins Co
Rating Date
April 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
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Major Rating Factors: Strong long-term capitalization index (8.7 on a scale of 0 to 10) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital has steadily grown over the last five years. Excellent profitability index (8.7) with operating gains in each of the last five years. Return on equity has been good over the last five years, averaging 12.8%. Good liquidity (7.0) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors: Excellent overall results on stability tests (9.0). Stability strengths include excellent operational trends and excellent risk diversification. History of adequate reserve strength (6.2) as reserves have been consistently at an acceptable level.
Stability Factors:
Principal Lines of Business: Comm multi (51.4%), personal/comm auto (18.1%), fin guar/surety (4.0%), farmowners (0.3%), product liab. (0.3%), other (25.9%)
Licensed in: All states and GU, PR, VI
Principal Investments: Investment grade bonds (78.0%), non investment grade bonds (8.1%), common stock (0.2%), other (13.7%)
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2-Year Reserve Development
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Net Premium Growth
Investments in Affiliates
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Corporate Info
Group Affiliation
Tokio Marine Holdings Inc
Investment Rating
--
Company Address
Three Bala Plaza, East
Bala Cynwyd, PA 19004
Phone Number
(610) 206-7836
NAIC Number
18058
Largest Affiliates
C
Schaumburg, IL - L&A
B
Saint Louis, MO - P&C
A
Houston, TX - P&C
B
Houston, TX - P&C
C
White Plains, NY - P&C