Major Rating Factors:
Fair profitability index (3.1 on a scale of 0 to 10) with operating losses during 2024 and 2025. Good liquidity (5.6) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Good overall results on stability tests (6.1) despite negative cash flow from operations for 2025. The largest net exposure for one risk is high at 3.3% of capital. Stability strengths include good operational trends and excellent risk diversification.
Other Rating Factors:
Strong long-term capitalization index (7.1) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. History of adequate reserve strength (6.9) as reserves have been consistently at an acceptable level.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
Principal Lines of Business:
Personal/comm auto (94.2%), comm multi (3.5%), fire (2.1%), homeowners (0.2%)
Licensed in:
AL, AZ, GA, IA, IL, IN, KY, LA, MO, MS, NC, OH, OK, SC, TN, TX, VA, WV
Principal Investments:
Investment grade bonds (92.0%), real estate (4.4%), cash (1.4%), other (2.2%)
Corporate Info
Group Affiliation
Shelter Mutual Ins Co
Investment Rating
--
Company Address
2504 Keith Drive
Columbia, TN 38401
Columbia, TN 38401
Phone Number
(931) 381-5406
NAIC Number
31550
Website
Largest Affiliates