Financial Indemnity Co
Major Rating Factors:
Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair profitability index (4.0). Good liquidity (6.7) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors:
Good overall results on stability tests (5.0) including excessive premium growth and negative cash flow from operations for 2025. The largest net exposure for one risk is high at 4.9% of capital. Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
AL, AZ, CO, DE, ID, IL, IN, LA, MO, MT, NM, NV, OH, OR, TN, TX, UT, WA, WI, WY
Principal Investments:
Investment grade bonds (99.4%), cash (0.2%), other (0.4%)
Corporate Info
Group Affiliation
Kemper Corporation
Investment Rating
Company Address
3400 N. Central Expressway
Richardson, TX 75080
Richardson, TX 75080
Phone Number
(972) 690-5500
NAIC Number
19852
Website
Largest Affiliates