D
Infinity Indemnity Ins Co
Rating Date
June 2026
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: Weak overall results on stability tests (1.8 on a scale of 0 to 10) including excessive premium growth. The largest net exposure for one risk is excessive at 15.8% of capital. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. Good profitability index (4.9). Excellent expense controls.
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 (100.0%)
Licensed in: FL, IN, MO, PA, SC
Principal Investments: Investment grade bonds (88.5%), other (11.5%)
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
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Net Premium Growth
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Investments in Affiliates
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Corporate Info
Group Affiliation
Kemper Corporation
Investment Rating
Company Address
3760 River Run Drive
Birmingham, AL 35243
Phone Number
(205) 870-4000
NAIC Number
10061
Largest Affiliates
B
Jacksonville, FL - P&C
C
CHICAGO, IL - L&A
D
Birmingham, AL - P&C
B
Downers Grove, IL - P&C
D
Birmingham, AL - P&C