ZSI Ins Co RRG
Major Rating Factors:
Weak profitability index (2.4 on a scale of 0 to 10) with operating losses during 2025. Weak overall results on stability tests (0.6) including excessive premium growth, weak results on operational trends and weak risk diversification. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims.
Other Rating Factors:
Strong long-term capitalization index (8.1) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Excellent liquidity (7.0) 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.
F - Negative cash flow.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
SC
Principal Investments:
Cash (100.0%)
Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
100 Brigade Street
Charleston, SC 29403
Charleston, SC 29403
Phone Number
(843) 577-1030
NAIC Number
17819
Website
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Largest Affiliates
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