National Guardian RRG Inc
Major Rating Factors:
Weak overall results on stability tests (2.6 on a scale of 0 to 10) including weak risk diversification. The largest net exposure for one risk is high at 4.4% of capital. Good long-term capitalization index (5.2) based on good current risk adjusted capital (severe and moderate loss scenarios). Over the last several years, capital levels have remained relatively consistent. History of adequate reserve strength (5.5) as reserves have been consistently at an acceptable level.
Other Rating Factors:
Good overall profitability index (5.1) despite operating losses during 2020, 2021 and the first six months of 2025. Return on equity has been low, averaging 4.8% over the past five years. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
D - Limited diversification of general business, policy, and/or investment risk.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Med mal (100.0%)
Licensed in:
HI
Principal Investments:
Investment grade bonds (73.9%), cash (5.4%), common stock (0.6%), other (20.0%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
146 Fairchild Street
Charleston, SC 29492
Charleston, SC 29492
Phone Number
(843) 614-3135
NAIC Number
36072
Website
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Largest Affiliates
No affiliate information available.