Major Rating Factors:
Good overall profitability index (6.1 on a scale of 0 to 10) despite operating losses during 2022. Return on equity has been fair, averaging 6.1% over the past five years. Good overall results on stability tests (5.1) despite. Stability strengths include excellent operational trends and good risk diversification. Strong long-term capitalization index (7.4) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
Ample reserve history (10.0) that helps to protect the company against sharp claims increases. Excellent liquidity (8.4) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
R - Concerns about the financial strength of its reinsurers.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Med mal (100.0%)
Licensed in:
AZ
Principal Investments:
Investment grade bonds (59.7%), common stock (35.4%), cash (1.6%), other (3.3%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
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Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
10 Cadillac Drive
Brentwood, TN 37027
Brentwood, TN 37027
Phone Number
(802) 349-4497
NAIC Number
10232
Website
Largest Affiliates
No affiliate information available.