Major Rating Factors:
Fair long-term capitalization index (3.9 on a scale of 0 to 10) based on fair current risk adjusted capital (severe and moderate loss scenarios). Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. Fair overall results on stability tests (3.8) including excessive premium growth, negative cash flow from operations for 2025 and fair risk adjusted capital in prior years.
Other Rating Factors:
Good profitability index (5.0). Excellent expense controls. Good liquidity (7.0) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
Principal Lines of Business:
Homeowners (84.5%), personal/comm auto (1.5%), other (14.0%)
Licensed in:
MS, TX
Principal Investments:
Investment grade bonds (96.1%), cash (3.9%)
Corporate Info
Group Affiliation
Chubb Limited
Investment Rating
Company Address
5400 Lyndon B Johnson Fwy
Dallas, TX 75240
Dallas, TX 75240
Phone Number
(215) 640-1000
NAIC Number
27774
Website
Largest Affiliates