Major Rating Factors:
Fair reserve development (4.3 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. In 2025 the two year reserve development was 23.9% deficient. Fair liquidity (4.4) as cash resources may not be adequate to cover a spike in claims. Good overall profitability index (5.4) despite operating losses during 2022.
Other Rating Factors:
Good overall results on stability tests (5.3) despite negative cash flow from operations for 2025 and fair risk adjusted capital in prior years. Stability strengths include good operational trends and good risk diversification. Strong long-term capitalization index (7.1) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting significant improvement over results in 2023.
Stability Factors:
F - Negative cash flow.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (99.9%), other (0.1%)
Licensed in:
AZ, CA, FL, NM, NV, TX
Principal Investments:
Investment grade bonds (38.2%), common stock (19.9%), cash (8.0%), other (33.9%)
Corporate Info
Group Affiliation
Anchor Ins Holdings Inc
Investment Rating
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Company Address
10089 Willow Creek Rd
San Diego, CA 92131
San Diego, CA 92131
Phone Number
(800) 542-6246
NAIC Number
40010
Website
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Largest Affiliates