Major Rating Factors:
Good overall results on stability tests (5.4 on a scale of 0 to 10) despite excessive premium growth and negative cash flow from operations for 2025. Other stability subfactors include potentially strong support from affiliation with American Financial Group Inc, good operational trends and excellent risk diversification. Fair reserve development (3.7) as reserves have generally been sufficient to cover claims. 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.
Other Rating Factors:
Excellent profitability index (7.3). Excellent expense controls. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business:
Personal/comm auto (81.8%), work comp (3.3%), comm multi (0.4%), other (14.5%)
Licensed in:
HI, MI, NJ, NY, OH
Principal Investments:
Investment grade bonds (79.1%), cash (0.2%), other (20.6%)
Corporate Info
Group Affiliation
American Financial Group Inc
Investment Rating
Company Address
3250 Interstate Drive
Richfield, OH 44286
Richfield, OH 44286
Phone Number
(330) 659-8900
NAIC Number
11051
Website
Largest Affiliates