Major Rating Factors:
Weak profitability index (2.5 on a scale of 0 to 10) with operating losses during 2020, 2021 and 2023. Fair reserve development (4.0) as reserves have generally been sufficient to cover claims. Good overall results on stability tests (6.5) despite excessive premium growth. Stability strengths include good operational trends and excellent risk diversification.
Other Rating Factors:
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. Excellent liquidity (7.0) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (69.2%), comm multi (16.0%), work comp (10.4%), fire (6.9%), product liab. (1.1%)
Licensed in:
AZ, CO, GA, IA, ID, IL, IN, KS, KY, MD, MN, MS, MT, NC, ND, NE, NM, OH, PA, SC, SD, TN, UT, VA, WA, WI, WV
Principal Investments:
Cash (83.9%), investment grade bonds (16.1%)
Corporate Info
Group Affiliation
Liberty Mutual Holding Co Inc
Investment Rating
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Company Address
518 East Broad Street
Columbus, OH 43215
Columbus, OH 43215
Phone Number
(833) 724-3577
NAIC Number
41653
Website
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Largest Affiliates