Sutton National Ins Co
Major Rating Factors:
Fair overall results on stability tests (4.0 on a scale of 0 to 10) including excessive premium growth, weak results on operational trends and negative cash flow from operations for 2025. The largest net exposure for one risk is conservative at 1.2% of capital. Good overall profitability index (6.7) despite operating losses during 2021 and 2022. Strong long-term capitalization index (7.8) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years.
Other Rating Factors:
History of adequate reserve strength (7.0) as reserves have been consistently at an acceptable level. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Stability Factors:
F - Negative cash flow.
G - Fast asset or premium growth.
R - Concerns about the financial strength of its reinsurers.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Homeowners (60.0%), fire (29.0%), personal/comm auto (0.4%), comm multi (0.3%), other (10.3%)
Licensed in:
All states except DE, MN
Principal Investments:
Investment grade bonds (49.8%), cash (28.0%), other (22.2%)
Corporate Info
Group Affiliation
Sutton National Ins Holdings LLC
Investment Rating
--
Company Address
110 East Atlantic Ave
Delray Beach, FL 33444
Delray Beach, FL 33444
Phone Number
(888) 846-4238
NAIC Number
25798
Website
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