Major Rating Factors:
Poor long-term capitalization index (0.9 on a scale of 0 to 10) based on weak current risk adjusted capital (severe and moderate loss scenarios). A history of deficient reserves (0.7) that places pressure on both capital and profits. Deficiencies in the two year reserve development occurred in three of the previous five years and ranged between 36.3% and 88.6%. Weak profitability index (1.3) with operating losses during 2022, 2023 and 2025.
Other Rating Factors:
Weak overall results on stability tests (1.2) including weak results on operational trends, weak risk diversification and negative cash flow from operations for 2025. The largest net exposure for one risk is excessive at 12.4% of capital. Good liquidity (6.2) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
MT
Principal Investments:
Investment grade bonds (85.7%), common stock (9.9%), preferred stock (2.2%), cash (1.9%), other (0.3%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
P.O. Box 8509
Missoula, MT 59807
Missoula, MT 59807
Phone Number
(406) 523-3934
NAIC Number
11534
Website
Largest Affiliates
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