Major Rating Factors:
Good liquidity (6.6 on a scale of 0 to 10) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Good overall results on stability tests (5.5) despite negative cash flow from operations for 2025. Stability strengths include good operational trends, good risk adjusted capital for prior years and good risk diversification. Fair profitability index (3.8) with operating losses during 2025.
Other Rating Factors:
Strong long-term capitalization index (7.1) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting improvement over results in 2024. Ample reserve history (8.2) that helps to protect the company against sharp claims increases.
Stability Factors:
F - Negative cash flow.
R - Concerns about the financial strength of its reinsurers.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Work comp (75.1%), other (24.9%)
Licensed in:
AZ, CA, GA, ID, NV
Principal Investments:
Investment grade bonds (74.5%), common stock (6.5%), cash (5.7%), real estate (2.2%), other (11.1%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
2521 Warren Drive
Rocklin, CA 95677
Rocklin, CA 95677
Phone Number
(916) 625-5602
NAIC Number
10520
Website
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