Major Rating Factors:
Weak profitability index (2.8 on a scale of 0 to 10) with operating losses during 2022, 2023 and 2025. Fair long-term capitalization index (4.3) based on fair current risk adjusted capital (severe loss scenarios), although results have slipped from the excellent range during the last year. Good overall results on stability tests (6.4) despite negative cash flow from operations for 2025. Stability strengths include good operational trends and excellent risk diversification. The largest net exposure for one risk is conservative at 1.0% of capital.
Other Rating Factors:
History of adequate reserve strength (6.9) as reserves have been consistently at an acceptable level. Excellent liquidity (8.8) with ample operational cash flow and liquid investments.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
F - Negative cash flow.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (26.9%), med mal (7.5%), comm multi (2.6%), fire (0.9%), fin guar/surety (0.7%), product liab. (0.1%), other (61.3%)
Licensed in:
(No states)
Principal Investments:
Cash (48.8%), preferred stock (21.2%), common stock (20.6%), investment grade bonds (7.7%), non investment grade bonds (1.7%), other (0.1%)
Corporate Info
Group Affiliation
AU Holding Co Inc
Investment Rating
--
Company Address
10805 Old Mill Road
Omaha, NE 68154
Omaha, NE 68154
Phone Number
(402) 827-3424
NAIC Number
16543
Website
--
Largest Affiliates