D
ZNAT Ins Co
Rating Date
June 2026
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
Loading...
Major Rating Factors: Weak overall results on stability tests (1.3 on a scale of 0 to 10) including. The largest net exposure for one risk is excessive at 18.3% of capital. Good overall profitability index (6.7). Strong long-term capitalization index (7.7) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors: Ample reserve history (9.3) that helps to protect the company against sharp claims increases. Excellent liquidity (8.0) with ample operational cash flow and liquid investments.
Stability Factors: D - Limited diversification of general business, policy, and/or investment risk. R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business: Work comp (96.9%), personal/comm auto (0.9%), comm multi (0.7%), fire (0.2%), other (1.3%)
Licensed in: All states except AK, CO, CT, DC, FL, HI, ID, KS, LA, MA, MD, ME, MN, MT, NH, NY, OR, RI, SD, VT, WI
Principal Investments: Investment grade bonds (91.0%), cash (9.0%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
--
Corporate Info
Group Affiliation
Fairfax Financial Holdings Limited
Investment Rating
--
Company Address
21255 Califa Street
Woodland Hills, CA 91367
Phone Number
(818) 713-1000
NAIC Number
30120
Largest Affiliates
B
Stamford, CT - P&C
C
Morristown, NJ - P&C
C
New York, NY - P&C
C
A
New York, NY - P&C