Major Rating Factors:
Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Good overall profitability index (5.0). Excellent expense controls. Weak overall results on stability tests (2.6) including excessive premium growth, weak results on operational trends and negative cash flow from operations for 2025.
Other Rating Factors:
Strong long-term capitalization index (8.8) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Excellent liquidity (7.0) 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.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (91.9%), work comp (3.8%), homeowners (3.3%), comm multi (0.4%), other (0.6%)
Licensed in:
HI
Principal Investments:
Investment grade bonds (90.7%), cash (8.1%), other (1.2%)
Corporate Info
Group Affiliation
MS&AD Ins Group Holdings Inc
Investment Rating
--
Company Address
1600 Kapiolani Boulevard
Honolulu, HI 96814
Honolulu, HI 96814
Phone Number
(808) 951-1700
NAIC Number
12903
Website
Largest Affiliates