Major Rating Factors:
History of adequate reserve strength (5.6 on a scale of 0 to 10) as reserves have been consistently at an acceptable level. Fair overall results on stability tests (4.7) including. Strong long-term capitalization index (8.6) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
Excellent profitability index (8.2) with operating gains in each of the last five years. 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.
R - Concerns about the financial strength of its reinsurers.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Med mal (100.0%)
Licensed in:
DC
Principal Investments:
Investment grade bonds (80.7%), cash (17.7%), other (1.7%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
201 S. Main Street
Ann Arbor, MI 48104
Ann Arbor, MI 48104
Phone Number
(734) 996-2700
NAIC Number
11832
Website
Largest Affiliates
No affiliate information available.