D
Palms Specialty Ins Co
Rating Date
April 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair profitability index (3.8) with operating losses during 2022. Fair overall results on stability tests (4.3) including weak results on operational trends and lack of operational experience. The largest net exposure for one risk is conservative at 1.4% of capital.
Other Rating Factors: Strong long-term capitalization index (9.9) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years. Superior liquidity (9.0) with ample operational cash flow and liquid investments.
Stability Factors: E - Lack of operating experience. G - Fast asset or premium growth. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Comm multi (36.4%), other (63.6%)
Licensed in: (No states)
Principal Investments: Investment grade bonds (92.2%), cash (0.4%), non investment grade bonds (0.2%), other (7.2%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
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Corporate Info
Group Affiliation
None
Investment Rating
NEE
Company Address
700 Universe Boulevard
Juno Beach, FL 33408
Phone Number
(561) 304-5532
NAIC Number
17327
Largest Affiliates
No affiliate information available.