Trailblazers Ins Co A RRG
Major Rating Factors:
Poor long-term capitalization index (2.7 on a scale of 0 to 10) based on fair current risk adjusted capital (severe loss scenarios) reflecting improvement over results in 2022. Fair reserve development (3.0) as the level of reserves has at times been insufficient to cover claims. In 2025 the two year reserve development was 37.5% deficient. Fair overall results on stability tests (3.2) including weak risk adjusted capital in prior years, negative cash flow from operations for 2025 and lack of operational experience. The largest net exposure for one risk is acceptable at 2.8% of capital.
Other Rating Factors:
Good overall profitability index (5.1) despite operating losses during 2021 and 2024. Excellent liquidity (7.1) with ample operational cash flow and liquid investments.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
D - Limited diversification of general business, policy, and/or investment risk.
E - Lack of operating experience.
F - Negative cash flow.
R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
AL
Principal Investments:
Investment grade bonds (74.6%), cash (6.6%), common stock (2.1%), other (16.8%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
522 Brandies Circle
Murfreesboro, TN 37128
Murfreesboro, TN 37128
Phone Number
(615) 610-7010
NAIC Number
16994
Website
Largest Affiliates
No affiliate information available.