Major Rating Factors:
Fair overall results on stability tests (4.1 on a scale of 0 to 10) including. The largest net exposure for one risk is excessive at 7.1% of capital. 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. Ample reserve history (9.3) that helps to protect the company against sharp claims increases.
Other Rating Factors:
Excellent profitability index (8.2). Excellent liquidity (8.5) 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.
Principal Lines of Business:
Personal/comm auto (25.2%), homeowners (9.0%), work comp (8.6%), fire (6.9%), fin guar/surety (5.8%), med mal (1.2%), product liab. (0.3%), other (43.0%)
Licensed in:
GU, MP
Principal Investments:
Investment grade bonds (81.1%), cash (17.2%), common stock (1.4%), other (0.3%)
Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
424 West O’Brien Drive
Hagatna, GU 96910
Hagatna, GU 96910
Phone Number
(671) 477-8613
NAIC Number
10972
Website
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Largest Affiliates
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