Major Rating Factors:
Fair profitability index (3.7 on a scale of 0 to 10) with operating losses during each of the last five years. Weak overall results on stability tests (2.4) including weak results on operational trends, negative cash flow from operations for 2025 and excessive premium growth. History of adequate reserve strength (6.0) as reserves have been consistently at an acceptable level.
Other Rating Factors:
Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Excellent liquidity (7.0) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
E - Lack of operating experience.
F - Negative cash flow.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
MT
Principal Investments:
Cash (100.0%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
1325 Park Street
Columbia, SC 29201
Columbia, SC 29201
Phone Number
(803) 904-8461
NAIC Number
17053
Website
Largest Affiliates
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