Major Rating Factors:
Good overall profitability index (6.5 on a scale of 0 to 10). Strong long-term capitalization index (9.4) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Ample reserve history (7.0) that can protect against increases in claims costs.
Other Rating Factors:
Superior liquidity (10.0) with ample operational cash flow and liquid investments. Fair overall results on stability tests (4.8) including weak results on operational trends and negative cash flow from operations for 2025. The largest net exposure for one risk is conservative at 1.4% of capital.
Stability Factors:
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:
Personal/comm auto (0.3%), other (99.7%)
Licensed in:
AR, CA, CO, CT, GA, IA, IL, IN, KS, LA, MI, MT, NE, NJ, NM, NV, NY, OH, OK, PA, SD, TN, TX, UT, WA, WI, WV
Principal Investments:
Investment grade bonds (59.0%), common stock (38.0%), cash (0.6%), preferred stock (0.4%), other (2.0%)
Corporate Info
Group Affiliation
Berkshire Hathaway Inc
Investment Rating
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Company Address
1314 Douglas Street
Omaha, NE 68102
Omaha, NE 68102
Phone Number
(402) 916-3000
NAIC Number
39136
Website
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Largest Affiliates