E
FE RRG Inc
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: Weak overall results on stability tests (0.0 on a scale of 0 to 10) including excessive premium growth, weak results on operational trends and weak risk diversification. The largest net exposure for one risk is excessive at 58.5% of capital. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. Fair profitability index (3.7) with small operating losses during 2025.
Other Rating Factors: Good long-term capitalization index (6.6) based on good current risk adjusted capital (severe loss scenarios). Excellent liquidity (8.8) 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: Personal/comm auto (100.0%)
Licensed in: KY
Principal Investments: Cash (100.0%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
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Investments in Affiliates
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Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
522 Brandies Circle
Murfreesboro, TN 37128
Phone Number
(615) 610-7010
NAIC Number
17836
Website
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Largest Affiliates
There are no affiliate to display.