Capital Insurance Group Makes 6th Appearance on

Ward’s 50 Top Performing Insurance Companies List

CIG outperforms more than 3,000 U.S.-based property-casualty insurers

Capital Insurance Group (CIG) proudly announces its listing on the 2010 Ward’s Top 50 Performing Insurance Companies in the United States. This is the 6th time in the last decade that CIG, a 112-year-old company, has been featured on this exclusive industry list. This is the 20th year Ward Group has conducted this analysis.

“It’s a testament to our employees, agents, and business partners, and to our sound, consistent business philosophy that has afforded us the honor to again be included on this prestigious list of top performers in our industry,” said Peter Cazzolla, CEO/President, Capital Insurance Group. “The criteria for selection to this Top 50 list are stringent, and to be named to the list six times is a real achievement.”

The Ward Group analyzed more than 3,000 U.S.-based property-casualty insurance companies over a five-year period and evaluated them based on a variety of minimum thresholds. In order to be considered for the Top 50 designation, a company must pass the following primary safety and consistency tests:

• Surplus and premiums of at least $50 million for each of the five years analyzed
• Net income in at least four of the last five years
• Risk-based capital ratio of at least 100% for each of the five years analyzed
• Compound annual growth in premiums between – 10% and +40%

In addition, the Ward’s 50 group achieved greater levels of efficiency when compared to peer companies, outperforming the competition in policyholder surplus and net premiums.

Ward Group is the recognized leader in insurance company benchmarking and best practices and is a major sponsor of primary operational research studies.

“In support of our selection to the Ward’s Top 50 Property and Casualty companies in the U.S., I am also proud to report that CIG’s financial performance through the first six months of 2010 was as strong as ever,” noted Cazzolla. “Total Gross Written Premium grew 5.6%, with growth in all key lines of insurance, led by personal automobile and homeowners. Our combined ratio for the six months ended June was 94.7%. CIG’s statutory surplus increased by 4.9% to $271 million, further strengthening our claim paying ability and A.M. Best “A” IX rating. As the lead, privately held, regional company in the Pacific States, we look forward to continuing to improve our ability to advance our market position through business partnerships second to none, quality products, and outstanding customer service,” Cazzolla concluded.

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