Major Rating Factors:
Good overall profitability index (6.6 on a scale of 0 to 10). Good liquidity (6.5) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Good overall results on stability tests (5.5) despite. The largest net exposure for one risk is high at 4.2% of capital. Stability strengths include good operational trends and good risk diversification.
Other Rating Factors:
Fair reserve development (3.7) as the level of reserves has at times been insufficient to cover claims. In 2024 and 2025 the two year reserve development was 20.0% and 23.6% deficient respectively. Strong long-term capitalization index (7.7) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Stability Factors:
Principal Lines of Business:
Personal/comm auto (79.5%), fin guar/surety (4.8%), other (15.7%)
Licensed in:
All states except AK, CA, CT, HI, IA, ID, LA, MA, ME, ND, NH, NM, NV, OK, RI, SD, TX, VT
Principal Investments:
Investment grade bonds (70.8%), common stock (11.5%), cash (8.1%), non investment grade bonds (2.9%), other (6.7%)
Corporate Info
Group Affiliation
Atlantic American / Delta Group
Investment Rating
Company Address
3715 Northside Parkway
Atlanta, GA 30327
Atlanta, GA 30327
Phone Number
(404) 266-9599
NAIC Number
10235
Website
Largest Affiliates