Major Rating Factors:
Poor long-term capitalization index (0.1 on a scale of 0 to 10) based on weak current risk adjusted capital (severe and moderate loss scenarios). A history of deficient reserves (0.3) that places pressure on both capital and profits. The one year reserve development was deficient in three of the last five years by between 19.5% and 193.7%. Weak profitability index (2.5).
Other Rating Factors:
Weak overall results on stability tests (1.6) including weak results on operational trends, weak risk diversification and negative cash flow from operations for 2025. Fair liquidity (3.3) as cash resources may not be adequate to cover a spike in claims.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Work comp (100.0%)
Licensed in:
ID
Principal Investments:
Cash (45.6%), investment grade bonds (43.1%), common stock (11.2%), real estate (0.2%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
1901 Idaho Street
Lewiston, ID 83501
Lewiston, ID 83501
Phone Number
(208) 743-3701
NAIC Number
34576
Website
Largest Affiliates
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