Orange Ins Exchange
Major Rating Factors:
Weak profitability index (2.6 on a scale of 0 to 10) with operating losses during 2023, 2024 and 2025. Fair reserve development (4.8) as reserves have generally been sufficient to cover claims. Fair overall results on stability tests (3.4) including weak results on operational trends, negative cash flow from operations for 2025, lack of operational experience, excessive premium growth and fair risk adjusted capital in prior years. The largest net exposure for one risk is conservative at 1.6% of capital.
Other Rating Factors:
Fair long-term capitalization index (4.6) based on fair current risk adjusted capital (severe loss scenarios), although results have slipped from the excellent range over the last two years. Good liquidity (6.4) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
E - Lack of operating experience.
F - Negative cash flow.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Homeowners (64.8%), fire (32.5%), other (2.8%)
Licensed in:
FL
Principal Investments:
Investment grade bonds (65.6%), cash (0.5%), other (33.9%)
Corporate Info
Group Affiliation
Orange Ins Exchange
Investment Rating
--
Company Address
301 NW 138th Terrace
Jonesville, FL 32669
Jonesville, FL 32669
Phone Number
(866) 896-7233
NAIC Number
17522
Website
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