Major Rating Factors:
Weak overall results on stability tests (1.0 on a scale of 0 to 10) including weak results on operational trends and negative cash flow from operations for 2025. The largest net exposure for one risk is excessive at 20.3% of capital. Good long-term capitalization index (5.6) based on fair current risk adjusted capital (moderate loss scenarios), although results have slipped from the good range during the last year. Fair reserve development (4.9) as reserves have generally been sufficient to cover claims. In 2025 the one year reserve development was 20.1% deficient.
Other Rating Factors:
Good overall profitability index (5.8). Good liquidity (6.7) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
R - Concerns about the financial strength of its reinsurers.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Med mal (100.0%)
Licensed in:
CO, FL, IN, KS, KY, LA, MO, NV, OH, OK, SC, TN, TX, UT, WV
Principal Investments:
Investment grade bonds (90.5%), common stock (0.2%), other (9.3%)
Corporate Info
Group Affiliation
None
Investment Rating
Company Address
One Park Plaza
Nashville, TN 37203
Nashville, TN 37203
Phone Number
(615) 344-5807
NAIC Number
35904
Largest Affiliates
No affiliate information available.