Company Details
Company Name:
CITIZENS INSURANCE COMPANY OF AMERICALicense Status:
ActiveNAIC Number:
31534Company Address:
440 LINCOLN STREET WORCESTER, MA 01653
Phone Number:
5175462160Mailing Address:
440 LINCOLN STREET WORCESTER, MA 01653-0002
Mailing Phone:
5175462160Description:
Property and Casualty (Ch 379, RSMo)License Number:
B419872Date Admitted:
1989-04-26Market Share
| Year | Line | Market Share | Direct Premium Written | Direct Premium Earned | Dividends Paid | Direct Losses Paid | Direct Losses Incurred | In Force | Loss Ratio |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | Total Property & Casualty | 0.01% | $2,064,585 | $2,092,250 | $0 | $1,558,544 | $1,894,839 | $0 | 121.58% |
| 2025 | Total Fire & Allied Lines | 0% | $21,721 | $20,545 | $0 | $0 | $-949 | $0 | 0% |
| 2025 | Commercial Fire & Allied Lines | 0.01% | $21,721 | $20,545 | $0 | $0 | $-949 | $0 | 0% |
| 2025 | Total Homeowners | 0% | $0 | $0 | $0 | $0 | $-16 | $0 | 0% |
| 2025 | Homeowners Multi-Peril | 0% | $0 | $0 | $0 | $0 | $-16 | $0 | 0% |
| 2025 | Commercial Multi-Peril | 0.13% | $1,564,329 | $1,597,307 | $0 | $556,941 | $889,877 | $0 | 159.78% |
| 2025 | Inland Marine (Incl Auto Cargo) | 0% | $261 | $144 | $0 | $0 | $-497 | $0 | 0% |
| 2025 | Earthquake | 0.03% | $40,935 | $39,745 | $0 | $0 | $-127 | $0 | 0% |
| 2025 | Direct Workers Compensation | 0.02% | $262,799 | $203,033 | $0 | $111,603 | $-2,630 | $0 | -2.36% |
| 2025 | Other Liability - Bodily Injury & Property Damage | 0.01% | $98,741 | $101,418 | $0 | $0 | $580,881 | $0 | 0% |
| 2025 | Products Liability | 0.03% | $17,921 | $56,178 | $0 | $890,000 | $420,202 | $0 | 47.21% |
| 2025 | Total Private Passenger Auto | 0% | $0 | $0 | $0 | $0 | $-9 | $0 | 0% |
| 2025 | Private Passenger Auto Liability - Bodily Injury | 0% | $0 | $0 | $0 | $0 | $-9 | $0 | 0% |
| 2025 | Total Commercial Auto | 0% | $40,977 | $45,756 | $0 | $0 | $3,764 | $0 | 0% |
| 2025 | Commercial Auto Liability - Bodily Injury | 0% | $28,702 | $32,334 | $0 | $0 | $3,769 | $0 | 0% |
| 2025 | Commercial Auto Liability - Property Damage | 0.01% | $10,627 | $11,774 | $0 | $0 | $-5 | $0 | 0% |
| 2025 | Commercial Auto Liability - Medical Payments | 0.01% | $286 | $286 | $0 | $0 | $0 | $0 | 0% |
| 2025 | Commercial Auto Liability - Uninsured Motorists | 0% | $1,362 | $1,362 | $0 | $0 | $0 | $0 | 0% |
| 2025 | Commercial Auto - Comprehensive | 0% | $4,252 | $5,036 | $0 | $0 | $791 | $0 | 0% |
| 2025 | Commercial Auto - Collision | 0% | $9,768 | $9,581 | $0 | $0 | $-92 | $0 | 0% |
| 2025 | Surety | 0% | $0 | $10,548 | $0 | $0 | $3,643 | $0 | 0% |
| 2025 | Burglary & Theft | 0% | $229 | $229 | $0 | $0 | $1 | $0 | 0% |
| 2025 | Boiler & Machinery | 0% | $1,947 | $1,840 | $0 | $0 | $0 | $0 | 0% |
| 2025 | Umbrella | 0% | $705 | $890 | $0 | $0 | $0 | $0 | 0% |
| 2024 | Total Property & Casualty | 0.01% | $2,122,659 | $2,374,367 | $0 | $1,656,298 | $1,300,728 | $0 | 78.53% |
| 2024 | Total Fire & Allied Lines | 0% | $18,463 | $17,329 | $0 | $0 | $-3,367 | $0 | 0% |
| 2024 | Commercial Fire & Allied Lines | 0% | $18,463 | $17,329 | $0 | $0 | $-3,367 | $0 | 0% |
| 2024 | National Flood Insurance Program | 0% | $0 | $0 | $0 | $0 | $7 | $0 | 0% |
| 2024 | Total Homeowners | 0% | $-438 | $181 | $0 | $0 | $-46 | $0 | 0% |
| 2024 | Homeowners Multi-Peril | 0% | $-438 | $181 | $0 | $0 | $-46 | $0 | 0% |
| 2024 | Commercial Multi-Peril | 0.13% | $1,579,697 | $1,790,322 | $0 | $1,067,217 | $512,358 | $0 | 48.01% |
| 2024 | Inland Marine (Incl Auto Cargo) | 0% | $0 | $1,122 | $0 | $0 | $85 | $0 | 0% |
| 2024 | Earthquake | 0.03% | $42,487 | $44,134 | $0 | $0 | $-942 | $0 | 0% |
| 2024 | Direct Workers Compensation | 0.01% | $161,803 | $195,201 | $0 | $189,081 | $-212,130 | $0 | -112.19% |
| 2024 | Other Liability - Bodily Injury & Property Damage | 0.01% | $131,841 | $148,400 | $0 | $400,000 | $534,295 | $0 | 133.57% |
| 2024 | Products Liability | 0.2% | $111,901 | $101,512 | $0 | $0 | $474,470 | $0 | 0% |
| 2024 | Total Private Passenger Auto | 0% | $0 | $0 | $0 | $0 | $-19 | $0 | 0% |
| 2024 | Private Passenger Auto Liability - Bodily Injury | 0% | $0 | $0 | $0 | $0 | $-19 | $0 | 0% |
| 2024 | Total Commercial Auto | 0.01% | $44,353 | $43,707 | $0 | $0 | $-1,674 | $0 | 0% |
| 2024 | Commercial Auto Liability - Bodily Injury | 0.01% | $32,965 | $32,484 | $0 | $0 | $-1,645 | $0 | 0% |
| 2024 | Commercial Auto Liability - Property Damage | 0.01% | $11,388 | $11,223 | $0 | $0 | $-29 | $0 | 0% |
| 2024 | Commercial Auto - Comprehensive | 0% | $5,019 | $5,155 | $0 | $0 | $-36 | $0 | 0% |
| 2024 | Commercial Auto - Collision | 0% | $9,136 | $8,723 | $0 | $0 | $-8 | $0 | 0% |
| 2024 | Surety | 0.01% | $15,500 | $15,500 | $0 | $0 | $-2,167 | $0 | 0% |
| 2024 | Burglary & Theft | 0% | $229 | $258 | $0 | $0 | $-29 | $0 | 0% |
| 2024 | Boiler & Machinery | 0% | $1,650 | $1,547 | $0 | $0 | $0 | $0 | 0% |
| 2024 | Umbrella | 0% | $1,018 | $1,276 | $0 | $0 | $-69 | $0 | 0% |
| 2023 | Total Property & Casualty | 0.02% | $3,121,280 | $3,204,708 | $0 | $1,791,304 | $-694,218 | $0 | -38.75% |
| 2023 | Total Fire & Allied Lines | 0% | $15,349 | $34,708 | $0 | $60,456 | $58,722 | $0 | 97.13% |
| 2023 | Commercial Fire & Allied Lines | 0% | $15,349 | $34,708 | $0 | $60,456 | $58,722 | $0 | 97.13% |
| 2023 | Total Homeowners | 0% | $834 | $789 | $0 | $0 | $-1,241 | $0 | 0% |
| 2023 | Homeowners Multi-Peril | 0% | $834 | $789 | $0 | $0 | $-1,241 | $0 | 0% |
| 2023 | Commercial Multi-Peril | 0.2% | $2,162,976 | $2,271,075 | $0 | $1,368,904 | $-1,277,569 | $0 | -93.33% |
| 2023 | Inland Marine (Incl Auto Cargo) | 0% | $2,848 | $2,069 | $0 | $0 | $359 | $0 | 0% |
| 2023 | Earthquake | 0.04% | $51,746 | $60,723 | $0 | $0 | $-863 | $0 | 0% |
| 2023 | Direct Workers Compensation | 0.06% | $594,074 | $550,294 | $0 | $359,076 | $570,524 | $0 | 158.89% |
| 2023 | Other Liability - Bodily Injury & Property Damage | 0.01% | $75,707 | $61,280 | $0 | $2,868 | $-38,476 | $0 | 0% |
| 2023 | Products Liability | 0.12% | $57,783 | $51,945 | $0 | $0 | $-3,424 | $0 | 0% |
| 2023 | Total Private Passenger Automobile | 0% | $0 | $0 | $0 | $0 | $-38 | $0 | 0% |
| 2023 | Private Passenger Auto Liability Bodily Injury | 0% | $0 | $0 | $0 | $0 | $-40 | $0 | 0% |
| 2023 | Private Passenger Auto Liability Property Damage | 0% | $0 | $0 | $0 | $0 | $-3 | $0 | 0% |
| 2023 | Private Passenger Auto Collision | 0% | $0 | $0 | $0 | $0 | $5 | $0 | 0% |
| 2023 | Total Commercial Automobile | 0.01% | $55,660 | $57,535 | $0 | $0 | $-1,761 | $0 | 0% |
| 2023 | Commercial Auto Liability Bodily Injury | 0.01% | $32,919 | $32,590 | $0 | $0 | $-2,904 | $0 | 0% |
| 2023 | Commercial Auto Liability Property Damage | 0.01% | $11,382 | $11,286 | $0 | $0 | $206 | $0 | 0% |
| 2023 | Commercial Auto Comprehensive | 0.01% | $7,287 | $8,298 | $0 | $0 | $276 | $0 | 0% |
| 2023 | Commercial Auto Collision | 0% | $4,072 | $5,361 | $0 | $0 | $661 | $0 | 0% |
| 2023 | Surety | 0.01% | $15,500 | $14,301 | $0 | $0 | $-491 | $0 | 0% |
| 2023 | Burglary & Theft | 0% | $346 | $299 | $0 | $0 | $40 | $0 | 0% |
| 2023 | Boiler & Machinery | 0% | $1,367 | $2,924 | $0 | $0 | $0 | $0 | 0% |
| 2023 | Umbrella | 0.08% | $87,090 | $96,766 | $0 | $0 | $0 | $0 | 0% |
| 2022 | Total Property & Casualty | 0.02% | $3,094,779 | $3,281,629 | $0 | $1,575,816 | $5,545,378 | $0 | 351.91% |
| 2022 | Total Fire & Allied Lines | 0.01% | $53,412 | $55,649 | $0 | $0 | $12 | $0 | 0% |
| 2022 | Commercial Fire & Allied Lines | 0.02% | $53,412 | $55,649 | $0 | $0 | $12 | $0 | 0% |
| 2022 | Total Homeowners | 0% | $773 | $731 | $0 | $0 | $1,236 | $0 | 0% |
| 2022 | Homeowners Multi-Peril | 0% | $773 | $731 | $0 | $0 | $1,236 | $0 | 0% |
| 2022 | Commercial Multi-Peril | 0.25% | $2,505,183 | $2,674,312 | $0 | $1,364,037 | $5,237,826 | $0 | 383.99% |
| 2022 | Inland Marine (Incl Auto Cargo) | 0% | $31 | $787 | $0 | $0 | $-268 | $0 | 0% |
| 2022 | Earthquake | 0.05% | $70,444 | $77,506 | $0 | $0 | $1,090 | $0 | 0% |
| 2022 | Direct Workers Compensation | 0.02% | $252,701 | $285,636 | $0 | $211,779 | $327,957 | $0 | 154.86% |
| 2022 | Other Liability - Bodily Injury & Property Damage | 0.01% | $100,763 | $83,911 | $0 | $0 | $1,410 | $0 | 0% |
| 2022 | Products Liability | 0.06% | $25,847 | $24,466 | $0 | $0 | $-20,320 | $0 | 0% |
| 2022 | Total Private Passenger Automobile | 0% | $-902 | $127 | $0 | $0 | $-74 | $0 | 0% |
| 2022 | Private Passenger Auto Liability Bodily Injury | 0% | $-207 | $29 | $0 | $0 | $-74 | $0 | 0% |
| 2022 | Private Passenger Auto Comprehensive | 0% | $-695 | $98 | $0 | $0 | $0 | $0 | 0% |
| 2022 | Total Commercial Automobile | 0.01% | $62,173 | $54,156 | $0 | $0 | $-4,931 | $0 | 0% |
| 2022 | Commercial Auto Liability Bodily Injury | 0.01% | $33,924 | $32,186 | $0 | $0 | $-4,904 | $0 | 0% |
| 2022 | Commercial Auto Liability Property Damage | 0.01% | $11,756 | $11,012 | $0 | $0 | $120 | $0 | 0% |
| 2022 | Commercial Auto Comprehensive | 0.01% | $6,796 | $4,400 | $0 | $0 | $-147 | $0 | 0% |
| 2022 | Commercial Auto Collision | 0.01% | $9,697 | $6,558 | $0 | $0 | $0 | $0 | 0% |
| 2022 | Fidelity | 0% | $0 | $0 | $0 | $0 | $-13 | $0 | 0% |
| 2022 | Surety | 0.02% | $18,000 | $18,000 | $0 | $0 | $1,348 | $0 | 0% |
| 2022 | Burglary & Theft | 0% | $283 | $283 | $0 | $0 | $15 | $0 | 0% |
| 2022 | Boiler & Machinery | 0.01% | $3,993 | $3,216 | $0 | $0 | $0 | $0 | 0% |
| 2022 | Umbrella | 0% | $2,078 | $2,297 | $0 | $0 | $103 | $0 | 0% |
| 2022 | Private Flood | 0% | $0 | $552 | $0 | $0 | $-13 | $0 | 0% |
| 2021 | Total Property & Casualty | 0.03% | $3,406,433 | $3,350,937 | $0 | $708,045 | $1,012,923 | $0 | 143.06% |
| 2021 | Total Fire & Allied Lines | 0.01% | $65,438 | $62,571 | $0 | $0 | $-2,738 | $0 | 0% |
| 2021 | Commercial Fire & Allied Lines | 0.02% | $65,438 | $62,571 | $0 | $0 | $-2,738 | $0 | 0% |
| 2021 | Total Homeowners | 0% | $716 | $707 | $0 | $0 | $-57 | $0 | 0% |
| 2021 | Homeowners Multi-Peril | 0% | $716 | $707 | $0 | $0 | $-57 | $0 | 0% |
| 2021 | Commercial Multi-Peril | 0.31% | $2,810,920 | $2,727,645 | $0 | $339,537 | $917,644 | $0 | 270.26% |
| 2021 | Inland Marine (Incl Auto Cargo) | 0% | $2,685 | $2,532 | $0 | $0 | $208 | $0 | 0% |
| 2021 | Earthquake | 0.06% | $81,569 | $86,732 | $0 | $0 | $-1,338 | $0 | 0% |
| 2021 | Direct Workers Compensation | 0.03% | $258,127 | $263,628 | $0 | $301,393 | $199,603 | $0 | 66.23% |
| 2021 | Other Liability - Bodily Injury & Property Damage | 0.01% | $61,199 | $75,044 | $0 | $65,000 | $-106,547 | $0 | -163.92% |
| 2021 | Products Liability | 0.14% | $59,048 | $76,801 | $0 | $0 | $16,055 | $0 | 0% |
| 2021 | Total Private Passenger Automobile | 0% | $1,476 | $1,476 | $0 | $0 | $19 | $0 | 0% |
| 2021 | Private Passenger Auto Liability Bodily Injury | 0% | $212 | $212 | $0 | $0 | $11 | $0 | 0% |
| 2021 | Private Passenger Auto Liability Property Damage | 0% | $127 | $127 | $0 | $0 | $0 | $0 | 0% |
| 2021 | Private Passenger Auto Comprehensive | 0% | $337 | $337 | $0 | $0 | $-1 | $0 | 0% |
| 2021 | Private Passenger Auto Collision | 0% | $800 | $800 | $0 | $0 | $9 | $0 | 0% |
| 2021 | Total Commercial Automobile | 0% | $42,649 | $39,822 | $0 | $2,115 | $-10,880 | $0 | 0% |
| 2021 | Commercial Auto Liability Bodily Injury | 0.01% | $24,748 | $22,938 | $0 | $0 | $-11,794 | $0 | 0% |
| 2021 | Commercial Auto Liability Property Damage | 0.01% | $9,162 | $8,446 | $0 | $0 | $-1,057 | $0 | 0% |
| 2021 | Commercial Auto Medical Payments | 0.02% | $1,103 | $1,103 | $0 | $0 | $0 | $0 | 0% |
| 2021 | Commercial Auto Uninsured Motorists | 0.01% | $1,603 | $1,603 | $0 | $0 | $0 | $0 | 0% |
| 2021 | Commercial Auto Comprehensive | 0% | $2,886 | $2,577 | $0 | $0 | $-90 | $0 | 0% |
| 2021 | Commercial Auto Collision | 0% | $3,147 | $3,155 | $0 | $2,115 | $2,061 | $0 | 97.45% |
| 2021 | Fidelity | 0% | $0 | $0 | $0 | $0 | $-266 | $0 | 0% |
| 2021 | Surety | 0.02% | $18,000 | $8,650 | $0 | $0 | $1,411 | $0 | 0% |
| 2021 | Burglary & Theft | 0% | $283 | $174 | $0 | $0 | $-216 | $0 | 0% |
| 2021 | Boiler & Machinery | 0.01% | $3,220 | $4,028 | $0 | $0 | $0 | $0 | 0% |
| 2021 | Private Flood | 0.01% | $1,103 | $1,127 | $0 | $0 | $25 | $0 | 0% |
Complaint Index
| Year | Line | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2025 | Homeowners | 0% | 0 | 0 |
| 2024 | Homeowners | 0% | 0 | 0 |
| 2023 | Private Passenger Auto | 0% | 0 | 0 |
| 2023 | Homeowners | 0% | 0 | 0 |
| 2022 | Private Passenger Auto | 0% | 0 | 0 |
| 2022 | Homeowners | 0% | 0 | 0 |
| 2021 | Private Passenger Auto | 0% | 0 | 0 |
| 2021 | Homeowners | 0% | 0 | 0 |
Company Changes
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Market Regulation Actions
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Financial Exams
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