Company Details
Company Name:
CHARTER OAK FIRE INSURANCE CO THELicense Status:
ActiveNAIC Number:
25615Company Address:
ONE TOWER SQUARE HARTFORD, CT 06183-9070
Phone Number:
8602770111Mailing Address:
ONE TOWER SQUARE HARTFORD, CT 06183
Mailing Phone:
8339032382Description:
Property and Casualty (Ch 379, RSMo)License Number:
B422491Date Admitted:
1935-12-12Market 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 | 0.2% | $36,210,287 | $35,713,235 | $0 | $19,679,045 | $29,487,415 | $0 | 149.84% |
| 2025 | Total Fire & Allied Lines | 0.07% | $487,978 | $513,330 | $0 | $75,859 | $80,589 | $0 | 106.24% |
| 2025 | Commercial Fire & Allied Lines | 0.15% | $487,978 | $513,330 | $0 | $75,859 | $80,589 | $0 | 106.24% |
| 2025 | Farmowners Multi-Peril | 0.2% | $583,460 | $546,580 | $0 | $266,606 | $322,177 | $0 | 120.84% |
| 2025 | Commercial Multi-Peril | 1.35% | $16,735,696 | $16,660,413 | $0 | $13,284,415 | $17,412,448 | $0 | 131.07% |
| 2025 | Inland Marine (Incl Auto Cargo) | 0.05% | $196,757 | $262,267 | $0 | $231,834 | $226,577 | $0 | 97.73% |
| 2025 | Earthquake | 0.01% | $11,231 | $11,609 | $0 | $0 | $-2,447 | $0 | 0% |
| 2025 | Direct Workers Compensation | 0.06% | $640,527 | $933,920 | $0 | $370,531 | $-63,762 | $0 | -17.21% |
| 2025 | Other Liability - Bodily Injury & Property Damage | 0.37% | $3,949,782 | $3,478,816 | $0 | $1,283,546 | $4,561,251 | $0 | 355.36% |
| 2025 | Products Liability | 0.34% | $181,933 | $185,671 | $0 | $0 | $-57,975 | $0 | 0% |
| 2025 | Total Commercial Auto | 0.66% | $5,665,127 | $5,664,909 | $0 | $1,944,837 | $3,263,292 | $0 | 167.79% |
| 2025 | Commercial Auto Liability - Bodily Injury | 0.49% | $3,076,381 | $3,086,401 | $0 | $893,635 | $2,374,334 | $0 | 265.69% |
| 2025 | Commercial Auto Liability - Property Damage | 1.25% | $2,256,465 | $2,252,570 | $0 | $570,202 | $629,403 | $0 | 110.38% |
| 2025 | Commercial Auto Liability - Medical Payments | 3.43% | $76,095 | $74,644 | $0 | $6,000 | $3,000 | $0 | 50% |
| 2025 | Commercial Auto Liability - Uninsured Motorists | 0.54% | $256,186 | $251,294 | $0 | $475,000 | $256,555 | $0 | 54.01% |
| 2025 | Commercial Auto - Comprehensive | 0.62% | $897,368 | $914,001 | $0 | $926,648 | $942,040 | $0 | 101.66% |
| 2025 | Commercial Auto - Collision | 0.49% | $1,140,094 | $1,184,034 | $0 | $969,066 | $882,129 | $0 | 91.03% |
| 2025 | Fidelity | 0.01% | $1,394 | $2,809 | $0 | $0 | $486 | $0 | 0% |
| 2025 | Burglary & Theft | 0% | $140 | $188 | $0 | $0 | $28 | $0 | 0% |
| 2025 | Boiler & Machinery | 0.05% | $25,238 | $22,907 | $0 | $0 | $1,285 | $0 | 0% |
| 2025 | Professional Liability (Excl Medical Malpractice) | 4.1% | $5,693,562 | $5,331,781 | $0 | $325,703 | $1,919,297 | $0 | 0% |
| 2024 | Total Property & Casualty | 0.19% | $32,631,091 | $30,898,586 | $0 | $19,743,217 | $23,098,844 | $0 | 117% |
| 2024 | Total Fire & Allied Lines | 0.08% | $534,473 | $420,195 | $0 | $97,489 | $130,015 | $0 | 133.36% |
| 2024 | Commercial Fire & Allied Lines | 0.13% | $534,473 | $420,195 | $0 | $97,489 | $130,015 | $0 | 133.36% |
| 2024 | Farmowners Multi-Peril | 0.12% | $329,419 | $266,559 | $0 | $33,457 | $42,910 | $0 | 128.25% |
| 2024 | Commercial Multi-Peril | 1.22% | $14,523,511 | $13,835,838 | $0 | $7,216,944 | $10,525,711 | $0 | 145.85% |
| 2024 | Inland Marine (Incl Auto Cargo) | 0.09% | $348,328 | $362,292 | $0 | $47,207 | $-11,234 | $0 | -23.8% |
| 2024 | Earthquake | 0.01% | $11,480 | $11,461 | $0 | $0 | $1,506 | $0 | 0% |
| 2024 | Direct Workers Compensation | 0.14% | $1,498,066 | $1,537,886 | $0 | $553,498 | $256,871 | $0 | 46.41% |
| 2024 | Other Liability - Bodily Injury & Property Damage | 0.34% | $3,210,405 | $2,822,934 | $0 | $889,061 | $2,294,893 | $0 | 258.13% |
| 2024 | Liquor Liability | -0.13% | $-5,476 | $-5,476 | $0 | $0 | $0 | $0 | 0% |
| 2024 | Products Liability | 0.5% | $282,902 | $240,993 | $0 | $0 | $11,717 | $0 | 0% |
| 2024 | Total Commercial Auto | 0.71% | $5,565,810 | $5,250,068 | $0 | $8,041,226 | $6,719,750 | $0 | 83.57% |
| 2024 | Commercial Auto Liability - Bodily Injury | 0.54% | $3,030,343 | $2,828,283 | $0 | $4,011,094 | $5,570,986 | $0 | 138.89% |
| 2024 | Commercial Auto Liability - Property Damage | 1.34% | $2,218,606 | $2,091,646 | $0 | $741,132 | $726,206 | $0 | 97.99% |
| 2024 | Commercial Auto Liability - Medical Payments | 0.95% | $68,737 | $82,528 | $0 | $5,000 | $105,631 | $0 | 0% |
| 2024 | Commercial Auto Liability - Uninsured Motorists | 0.53% | $248,124 | $247,611 | $0 | $3,284,000 | $316,927 | $0 | 9.65% |
| 2024 | Commercial Auto - Comprehensive | 0.56% | $904,804 | $882,502 | $0 | $410,057 | $435,574 | $0 | 106.22% |
| 2024 | Commercial Auto - Collision | 0.59% | $1,181,806 | $1,135,842 | $0 | $1,207,843 | $1,140,420 | $0 | 94.42% |
| 2024 | Fidelity | 0.01% | $3,335 | $3,338 | $0 | $0 | $131 | $0 | 0% |
| 2024 | Burglary & Theft | 0% | $190 | $190 | $0 | $0 | $-5 | $0 | 0% |
| 2024 | Boiler & Machinery | 0.01% | $3,051 | $4,978 | $0 | $0 | $-883 | $0 | 0% |
| 2024 | Professional Liability (Excl Medical Malpractice) | 2.5% | $4,238,987 | $4,128,986 | $0 | $1,246,435 | $1,551,468 | $0 | 124.47% |
| 2023 | Total Property & Casualty | 0.18% | $28,014,217 | $27,116,772 | $0 | $13,655,961 | $14,356,691 | $0 | 105.13% |
| 2023 | Total Fire & Allied Lines | 0.05% | $369,340 | $391,775 | $0 | $31,675 | $-7,413 | $0 | -23.4% |
| 2023 | Commercial Fire & Allied Lines | 0.11% | $369,340 | $391,775 | $0 | $31,675 | $-7,413 | $0 | -23.4% |
| 2023 | Farmowners Multi-Peril | 0.11% | $264,774 | $248,700 | $0 | $0 | $7,873 | $0 | 0% |
| 2023 | Commercial Multi-Peril | 1.15% | $12,741,766 | $12,084,241 | $0 | $5,194,562 | $4,919,355 | $0 | 94.7% |
| 2023 | Inland Marine (Incl Auto Cargo) | 0.07% | $394,440 | $462,559 | $0 | $298,065 | $-28,351 | $0 | -9.51% |
| 2023 | Earthquake | 0.01% | $11,524 | $11,715 | $0 | $0 | $-11 | $0 | 0% |
| 2023 | Direct Workers Compensation | 0.12% | $1,296,550 | $1,402,432 | $0 | $1,009,572 | $782,787 | $0 | 77.54% |
| 2023 | Other Liability - Bodily Injury & Property Damage | 0.24% | $2,285,544 | $2,181,351 | $0 | $1,328,360 | $2,579,159 | $0 | 194.16% |
| 2023 | Products Liability | 0.11% | $52,403 | $45,260 | $0 | $0 | $-1,128,926 | $0 | 0% |
| 2023 | Total Commercial Automobile | 0.7% | $7,255,678 | $7,010,954 | $0 | $4,440,384 | $4,290,580 | $0 | 96.63% |
| 2023 | Commercial Auto Liability Bodily Injury | 0.54% | $2,803,100 | $2,727,142 | $0 | $2,750,944 | $2,370,485 | $0 | 86.17% |
| 2023 | Commercial Auto Liability Property Damage | 1.44% | $2,073,912 | $2,016,416 | $0 | $427,741 | $302,310 | $0 | 70.68% |
| 2023 | Commercial Auto Medical Payments | 1.28% | $96,588 | $93,428 | $0 | $10,000 | $52,643 | $0 | 0% |
| 2023 | Commercial Auto Uninsured Motorists | 0.6% | $250,145 | $244,669 | $0 | $0 | $137,861 | $0 | 0% |
| 2023 | Commercial Auto Comprehensive | 0.75% | $895,094 | $856,139 | $0 | $387,422 | $393,047 | $0 | 101.45% |
| 2023 | Commercial Auto Collision | 0.57% | $1,136,839 | $1,073,160 | $0 | $864,277 | $1,034,234 | $0 | 119.66% |
| 2023 | Fidelity | 0.01% | $3,335 | $3,376 | $0 | $0 | $-25 | $0 | 0% |
| 2023 | Burglary & Theft | 0% | $190 | $195 | $0 | $0 | $11 | $0 | 0% |
| 2023 | Boiler & Machinery | 0.01% | $6,583 | $6,263 | $0 | $0 | $66 | $0 | 0% |
| 2023 | Professional Liability (Excl Medical Malpractice) | 1.92% | $3,332,090 | $3,267,951 | $0 | $1,353,343 | $2,941,586 | $0 | 217.36% |
| 2022 | Total Property & Casualty | 0.17% | $25,194,124 | $26,101,554 | $0 | $10,777,539 | $12,888,607 | $0 | 119.59% |
| 2022 | Total Fire & Allied Lines | 0.09% | $429,022 | $529,762 | $0 | $55,568 | $107,519 | $0 | 193.49% |
| 2022 | Commercial Fire & Allied Lines | 0.14% | $429,022 | $529,762 | $0 | $55,568 | $107,519 | $0 | 193.49% |
| 2022 | Farmowners Multi-Peril | 0.12% | $273,639 | $281,072 | $0 | $88,241 | $86,730 | $0 | 98.29% |
| 2022 | Commercial Multi-Peril | 1.1% | $10,978,855 | $11,715,698 | $0 | $3,687,831 | $2,674,376 | $0 | 72.52% |
| 2022 | Inland Marine (Incl Auto Cargo) | 0.1% | $507,162 | $633,929 | $0 | $142,180 | $460,805 | $0 | 324.1% |
| 2022 | Earthquake | 0.01% | $11,184 | $12,530 | $0 | $0 | $-2,800 | $0 | 0% |
| 2022 | Direct Workers Compensation | 0.16% | $1,677,541 | $1,599,091 | $0 | $778,039 | $1,490,554 | $0 | 191.58% |
| 2022 | Other Liability - Bodily Injury & Property Damage | 0.24% | $2,082,525 | $2,022,483 | $0 | $597,629 | $-320,941 | $0 | -53.7% |
| 2022 | Products Liability | 0.19% | $81,895 | $86,268 | $0 | $0 | $932,447 | $0 | 0% |
| 2022 | Total Commercial Automobile | 0.68% | $6,671,921 | $6,739,998 | $0 | $5,330,706 | $7,478,151 | $0 | 140.28% |
| 2022 | Commercial Auto Liability Bodily Injury | 0.53% | $2,535,450 | $2,547,460 | $0 | $2,504,320 | $5,016,718 | $0 | 200.32% |
| 2022 | Commercial Auto Liability Property Damage | 1.24% | $1,867,896 | $1,876,883 | $0 | $498,383 | $587,282 | $0 | 117.84% |
| 2022 | Commercial Auto Medical Payments | 1.16% | $83,093 | $88,319 | $0 | $9,246 | $111,867 | $0 | 0% |
| 2022 | Commercial Auto Uninsured Motorists | 0.54% | $202,819 | $208,631 | $0 | $825,000 | $264,258 | $0 | 32.03% |
| 2022 | Commercial Auto Comprehensive | 0.78% | $966,591 | $951,603 | $0 | $688,183 | $665,432 | $0 | 96.69% |
| 2022 | Commercial Auto Collision | 0.56% | $1,016,072 | $1,067,102 | $0 | $805,574 | $832,594 | $0 | 103.35% |
| 2022 | Fidelity | 0.02% | $4,526 | $3,879 | $0 | $-827 | $-1,561 | $0 | 188.75% |
| 2022 | Burglary & Theft | 0% | $291 | $270 | $0 | $0 | $-17 | $0 | 0% |
| 2022 | Boiler & Machinery | 0.02% | $6,168 | $7,019 | $0 | $0 | $-577 | $0 | 0% |
| 2022 | Professional Liability (Excl Medical Malpractice) | 1.46% | $2,469,395 | $2,469,555 | $0 | $98,172 | $-16,079 | $0 | -16.38% |
| 2021 | Total Property & Casualty | 0.2% | $26,091,281 | $25,512,873 | $0 | $10,869,129 | $10,873,031 | $0 | 100.04% |
| 2021 | Total Fire & Allied Lines | 0.09% | $587,799 | $561,681 | $0 | $15,418 | $-30,754 | $0 | -199.47% |
| 2021 | Commercial Fire & Allied Lines | 0.18% | $587,799 | $561,681 | $0 | $15,418 | $-30,754 | $0 | -199.47% |
| 2021 | Farmowners Multi-Peril | 0.14% | $289,535 | $272,371 | $0 | $125,586 | $137,229 | $0 | 109.27% |
| 2021 | Commercial Multi-Peril | 1.28% | $11,744,235 | $11,351,142 | $0 | $3,835,478 | $2,987,384 | $0 | 77.89% |
| 2021 | Inland Marine (Incl Auto Cargo) | 0.14% | $665,780 | $764,546 | $0 | $862,255 | $831,256 | $0 | 96.4% |
| 2021 | Earthquake | 0.01% | $12,105 | $12,766 | $0 | $0 | $860 | $0 | 0% |
| 2021 | Direct Workers Compensation | 0.15% | $1,507,330 | $1,520,711 | $0 | $380,827 | $568,012 | $0 | 149.15% |
| 2021 | Other Liability - Bodily Injury & Property Damage | 0.26% | $2,080,424 | $2,036,553 | $0 | $2,034,142 | $2,234,376 | $0 | 109.84% |
| 2021 | Products Liability | 0.14% | $55,320 | $52,388 | $0 | $34,822 | $-215,068 | $0 | 0% |
| 2021 | Total Commercial Automobile | 0.76% | $6,828,580 | $6,605,266 | $0 | $3,172,441 | $3,634,053 | $0 | 114.55% |
| 2021 | Commercial Auto Liability Bodily Injury | 0.58% | $2,654,719 | $2,535,151 | $0 | $1,233,598 | $1,805,094 | $0 | 146.33% |
| 2021 | Commercial Auto Liability Property Damage | 1.47% | $1,943,402 | $1,851,761 | $0 | $449,097 | $551,205 | $0 | 122.74% |
| 2021 | Commercial Auto Medical Payments | 1.63% | $108,870 | $141,160 | $0 | $445 | $75,820 | $0 | 0% |
| 2021 | Commercial Auto Uninsured Motorists | 0.76% | $225,479 | $225,845 | $0 | $346,940 | $121,306 | $0 | 34.96% |
| 2021 | Commercial Auto Comprehensive | 0.75% | $766,428 | $722,572 | $0 | $258,995 | $247,195 | $0 | 95.44% |
| 2021 | Commercial Auto Collision | 0.65% | $1,129,682 | $1,128,777 | $0 | $883,366 | $833,433 | $0 | 94.35% |
| 2021 | Fidelity | 0.01% | $3,265 | $3,504 | $0 | $-1,840 | $-476 | $0 | 25.87% |
| 2021 | Burglary & Theft | 0% | $273 | $286 | $0 | $0 | $-100 | $0 | 0% |
| 2021 | Boiler & Machinery | 0.02% | $7,604 | $7,548 | $0 | $0 | $-143 | $0 | 0% |
| 2021 | Professional Liability (Excl Medical Malpractice) | 1.47% | $2,309,031 | $2,324,111 | $0 | $410,000 | $726,402 | $0 | 177.17% |
Complaint Index
| Year | Line | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2025 | Homeowners | 0.01% | 1 | 372 |
| 2024 | Homeowners | 0.01% | 0 | 0 |
| 2023 | Homeowners | 0.01% | 0 | 0 |
| 2022 | Homeowners | 0.01% | 0 | 0 |
| 2021 | Homeowners | 0.01% | 0 | 0 |
Company Changes
This company does not have any company changes.
Market Regulation Actions
Date:
2016-12-28Financial Exams
This company does not have any financial exams.