Major Rating Factors:
Good liquidity (6.8 on a scale of 0 to 10) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Good overall results on stability tests (6.4) despite negative cash flow from operations for 2025. Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital has steadily grown over the last five years.
Other Rating Factors:
Ample reserve history (8.2) that helps to protect the company against sharp claims increases. Excellent profitability index (8.9).
Stability Factors:
A - Financial problems or weaknesses of a parent or affiliate company.
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
Principal Lines of Business:
Personal/comm auto (77.0%), comm multi (0.2%), other (22.8%)
Licensed in:
All states
Principal Investments:
Investment grade bonds (36.8%), cash (7.7%), other (55.4%)
Corporate Info
Group Affiliation
Markel Group Inc
Investment Rating
Company Address
1900 L. Don Dodson Drive
Bedford, TX 76021
Bedford, TX 76021
Phone Number
(817) 265-2000
NAIC Number
21296
Website
Largest Affiliates