B
Century Surety Co
Rating Date
April 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Good profitability index (5.0). Excellent expense controls. Good overall results on stability tests (6.6) despite excessive premium growth. Stability strengths include good operational trends and excellent risk diversification.
Other Rating Factors: Strong long-term capitalization index (9.3) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Stability Factors: G - Fast asset or premium growth. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Comm multi (34.8%), fire (20.2%), personal/comm auto (5.6%), product liab. (0.2%), other (39.2%)
Licensed in: AZ, OH
Principal Investments: Cash (41.3%), common stock (28.5%), investment grade bonds (25.8%), non investment grade bonds (0.7%), other (3.7%)
Ratios
Premium to Surplus
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Reserve to Surplus
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1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
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Combined Ratio
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Cash From Underwriting
Net Premium Growth
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Investments in Affiliates
Corporate Info
Group Affiliation
Blue Cross Blue Shield of Michigan Mutual Ins Co
Investment Rating
--
Company Address
550 Polaris Parkway
Westerville, OH 43082
Phone Number
(614) 895-2000
NAIC Number
36951
Largest Affiliates
B
C
Southfield, MI - P&C
B
NEW HUDSON, MI - L&A
B
B
Walnut Creek, CA - P&C