Major Rating Factors:
Poor long-term capitalization index (2.3 on a scale of 0 to 10) based on weak current risk adjusted capital (severe loss scenarios), although results have slipped from the fair range during the last year. Weak profitability index (2.0) with operating losses during 2023, 2024 and 2025. Fair reserve development (4.5) as reserves have generally been sufficient to cover claims.
Other Rating Factors:
Good liquidity (5.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Good overall results on stability tests (5.4) despite excessive premium growth, lack of operational experience and fair risk adjusted capital in prior years. Stability strengths include good operational trends and excellent risk diversification.
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.
G - Fast asset or premium growth.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
AZ, IL
Principal Investments:
Investment grade bonds (94.8%), cash (0.8%), other (4.4%)
Corporate Info
Group Affiliation
Kemper Corporation
Investment Rating
Company Address
200 East Randolph Street
Chicago, IL 60601
Chicago, IL 60601
Phone Number
(312) 661-4600
NAIC Number
17513
Website
Largest Affiliates