Major Rating Factors:
Good liquidity (6.8 on a scale of 0 to 10) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Fair profitability index (3.8) with operating losses during 2023, 2024 and 2025. Fair overall results on stability tests (4.0) including negative cash flow from operations for 2025 and fair risk adjusted capital in prior years. Strengths include potentially strong support from affiliation with Celina Ins Group.
Other Rating Factors:
Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting significant improvement over results in 2021. Ample reserve history (9.2) that helps to protect the company against sharp claims increases.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
Principal Lines of Business:
Farmowners (93.0%), fire (3.4%), other (3.6%)
Licensed in:
WV
Principal Investments:
Investment grade bonds (82.6%), common stock (13.0%), other (4.4%)
Corporate Info
Group Affiliation
Celina Ins Group
Investment Rating
--
Company Address
One Insurance Square
Celina, OH 45822
Celina, OH 45822
Phone Number
(419) 586-5181
NAIC Number
15431
Website
Largest Affiliates