Major Rating Factors:
Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair profitability index (4.3) with operating losses during 2023 and 2024. Good overall results on stability tests (6.4) despite excessive premium growth and negative cash flow from operations for 2025. Stability strengths include good operational trends and excellent risk diversification.
Other Rating Factors:
Strong long-term capitalization index (9.6) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Excellent liquidity (7.0) with ample operational cash flow and liquid investments.
Stability Factors:
F - Negative cash flow.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Other (100%)
Licensed in:
All states except AK, AL, CT, DC, MA, NH, NJ, NV, NY, RI, UT, WY
Principal Investments:
Cash (77.8%), investment grade bonds (6.0%), other (16.2%)
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
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Investments in Affiliates
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Corporate Info
Group Affiliation
Tokio Marine Holdings Inc
Investment Rating
--
Company Address
5601 Interstate 40 West
Amarillo, TX 79106
Amarillo, TX 79106
Phone Number
(806) 372-6785
NAIC Number
34312
Website
Largest Affiliates