Major Rating Factors:
A history of deficient reserves (1.8 on a scale of 0 to 10) that places pressure on both capital and profits. In 2025 the one year reserve development was 71.4% deficient. Good overall results on stability tests (5.9) despite excessive premium growth and lack of operational experience. Stability strengths include good operational trends and excellent risk diversification. Strong long-term capitalization index (7.5) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years.
Other Rating Factors:
Excellent profitability index (8.3). Excellent liquidity (7.5) 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.
G - Fast asset or premium growth.
Principal Lines of Business:
Comm multi (54.5%), personal/comm auto (29.9%), work comp (6.4%), product liab. (0.7%), fire (0.5%), other (8.0%)
Licensed in:
(No states)
Principal Investments:
Investment grade bonds (95.4%), cash (2.9%), other (1.7%)
Corporate Info
Group Affiliation
Columbia Mutual Ins Co
Investment Rating
--
Company Address
2102 White Gate Drive
Columbia, MO 65202
Columbia, MO 65202
Phone Number
(573) 474-6193
NAIC Number
17731
Website
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