Major Rating Factors:
Fair profitability index (4.7 on a scale of 0 to 10) with operating losses during 2021, 2022, 2023 and 2024. Good overall results on stability tests (6.8) despite. Stability strengths include good operational trends and excellent risk diversification. The largest net exposure for one risk is conservative at 1.7% of capital. Strong long-term capitalization index (7.2) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting improvement over results in 2024.
Other Rating Factors:
Ample reserve history (9.2) that helps to protect the company against sharp claims increases. Excellent liquidity (7.4) with ample operational cash flow and liquid investments.
Stability Factors:
Principal Lines of Business:
Personal/comm auto (46.2%), homeowners (24.9%), work comp (8.6%), fire (1.8%), fin guar/surety (1.7%), other (16.8%)
Licensed in:
All states except LA, NY
Principal Investments:
Common stock (53.6%), investment grade bonds (25.3%), cash (16.1%), other (4.9%)
Corporate Info
Group Affiliation
M-One Capital Management LLC
Investment Rating
--
Company Address
6031 Connection Drive
Irving, TX 75039
Irving, TX 75039
Phone Number
(469) 357-9300
NAIC Number
19623
Website
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