Major Rating Factors:
Good overall results on stability tests (6.4 on a scale of 0 to 10) despite. Stability strengths include excellent operational trends and good risk diversification. Strong long-term capitalization index (8.8) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Ample reserve history (9.5) that helps to protect the company against sharp claims increases.
Other Rating Factors:
Excellent profitability index (8.8) with operating gains in each of the last five years. Return on equity has been excellent over the last five years averaging 15.2%. Excellent liquidity (8.2) with ample operational cash flow and liquid investments.
Stability Factors:
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Other (100%)
Licensed in:
All states except LA, NY, OR, also licensed in VI
Principal Investments:
Investment grade bonds (85.5%), common stock (8.6%), cash (2.0%), non investment grade bonds (0.3%), other (3.5%)
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
None
Investment Rating
--
Company Address
Florence Building
Missoula, MT 59802
Missoula, MT 59802
Phone Number
(406) 728-3113
NAIC Number
32450
Website
Largest Affiliates
No affiliate information available.