Major Rating Factors:
A history of deficient reserves (1.6 on a scale of 0 to 10) that places pressure on both capital and profits. In four of the last five years reserves (two year development) were between 17.1% and 79.4% deficient. Weak overall results on stability tests (1.3) including weak results on operational trends, weak risk diversification and excessive premium growth. The largest net exposure for one risk is excessive at 6.6% of capital. Poor long-term capitalization index (2.9) based on weak current risk adjusted capital (severe and moderate loss scenarios), although results have slipped from the excellent range during the last year.
Other Rating Factors:
Fair profitability index (2.9) with operating losses during 2025. Excellent liquidity (7.9) 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:
GA
Principal Investments:
Cash (96.0%), other (4.0%)
Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
335 Martin Luther King Jr Drive, SE
Atlanta, GA 30312
Atlanta, GA 30312
Phone Number
(404) 577-4494
NAIC Number
10894
Website
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Largest Affiliates
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