C
Cowbell Spclty Ins Co
Omaha,  NE
Rating Date
June 2026
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 (4.5 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair profitability index (3.6) with operating losses during 2022, 2023 and 2025. Fair overall results on stability tests (4.4) including lack of operational experience. The largest net exposure for one risk is conservative at 1.1% of capital.
Other Rating Factors: Strong long-term capitalization index (7.8) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Superior liquidity (9.2) 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. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Other (100%)
Licensed in: NE
Principal Investments: Investment grade bonds (47.5%), cash (36.3%), other (16.2%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
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Investments in Affiliates
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Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
9140 W Dodge Rd
Omaha, NE 68114
Phone Number
(833) 633-8666
NAIC Number
17372
Largest Affiliates
There are no affiliate to display.