Just Insure Inc
Major Rating Factors:
Poor long-term capitalization index (0.6 on a scale of 0 to 10) based on weak current risk adjusted capital (severe and moderate loss scenarios). Weak profitability index (2.1) with operating losses during 2021, 2022, 2023 and 2025. Vulnerable liquidity (1.6) as a spike in claims may stretch capacity.
Other Rating Factors:
Weak overall results on stability tests (1.6) including weak risk diversification, weak results on operational trends and excessive premium growth. Fair reserve development (3.9) as reserves have generally been sufficient to cover claims. In 2025 the two year reserve development was 25.5% deficient.
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.
G - Fast asset or premium growth.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
AZ, NV
Principal Investments:
Cash (78.3%), investment grade bonds (15.9%), other (5.7%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
1640 South Sepulveda Boulevard
Los Angeles, CA 90025
Los Angeles, CA 90025
Phone Number
(505) 587-8467
NAIC Number
16648
Website
Largest Affiliates
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