Major Rating Factors:
Fair profitability index (3.8 on a scale of 0 to 10) with operating losses during 2022, 2024 and 2025. Fair liquidity (3.3) as cash resources may not be adequate to cover a spike in claims. Poor long-term capitalization index (1.5) based on weak current risk adjusted capital (severe and moderate loss scenarios), although results have slipped from the fair range during the last year.
Other Rating Factors:
History of adequate reserve strength (6.0) as reserves have been consistently at an acceptable level. Good overall results on stability tests (6.0) despite fair risk adjusted capital in prior years. Stability strengths include good operational trends and excellent risk diversification. The largest net exposure for one risk is acceptable at 2.1% of capital.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
L - Past results on our liquidity tests.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (20.5%), fin guar/surety (12.8%), med mal (6.2%), work comp (3.0%), comm multi (2.8%), fire (0.7%), product liab. (0.3%), other (53.7%)
Licensed in:
AK, AZ, CA, CT, GA, HI, IA, ID, IL, IN, KS, MD, MO, MT, NC, ND, NJ, NV, NY, OR, PA, TX, UT, VA, WA, WI
Principal Investments:
Investment grade bonds (38.3%), cash (18.5%), real estate (17.1%), non investment grade bonds (9.9%), other (16.2%)
Corporate Info
Group Affiliation
AU Holding Co Inc
Investment Rating
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Company Address
10805 Old Mill Road
Omaha, NE 68154
Omaha, NE 68154
Phone Number
(402) 827-3424
NAIC Number
38865
Website
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