Major Rating Factors:
Poor long-term capitalization index (1.2 on a scale of 0 to 10) based on weak current risk adjusted capital (severe and moderate loss scenarios). Weak profitability index (1.1) with operating losses during each of the last five years. Vulnerable liquidity (0.8) as a spike in claims may stretch capacity.
Other Rating Factors:
Fair overall results on stability tests (3.4) including excessive premium growth, weak risk adjusted capital in prior years, weak results on operational trends and negative cash flow from operations for 2025. The largest net exposure for one risk is excessive at 6.4% of capital. History of adequate reserve strength (6.1) as reserves have been consistently at an acceptable level.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
F - Negative cash flow.
G - Fast asset or premium growth.
L - Past results on our liquidity tests.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Homeowners (61.1%), personal/comm auto (38.0%), other (1.0%)
Licensed in:
AK, AR, AZ, DC, FL, GA, IA, IL, IN, KY, LA, MD, MI, MO, MS, MT, NC, ND, NE, NM, OH, OK, OR, PA, TX, UT, WI, WV
Principal Investments:
Investment grade bonds (31.6%), cash (15.8%), other (52.7%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
20 East Broad Street
Columbus, OH 43215
Columbus, OH 43215
Phone Number
(833) 427-2624
NAIC Number
16825
Website
Largest Affiliates
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