Major Rating Factors:
Vulnerable liquidity (0.0 on a scale of 0 to 10) as a spike in claims may stretch capacity. Weak overall results on stability tests (2.8) including weak risk diversification and fair risk adjusted capital in prior years. Fair profitability index (3.5) with operating losses during 2021, 2022 and 2024.
Other Rating Factors:
Good long-term capitalization index (5.1) based on good current risk adjusted capital (severe loss scenarios) reflecting some improvement over results in 2024. Ample reserve history (9.3) that helps to protect the company against sharp claims increases.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
L - Past results on our liquidity tests.
R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business:
Personal/comm auto (8.9%), homeowners (2.0%), other (89.1%)
Licensed in:
GU, MP
Principal Investments:
Cash (66.3%), investment grade bonds (9.2%), common stock (4.5%), other (20.0%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
520 Route Eight
Maite, GU 96910
Maite, GU 96910
Phone Number
(671) 477-9423
NAIC Number
31658
Website
--
Largest Affiliates
There are no affiliate to display.