Major Rating Factors:
Good overall results on stability tests (6.8 on a scale of 0 to 10) despite excessive premium growth. Strengths include potentially strong support from affiliation with The Doctors Co an InterIns Exchange. The largest net exposure for one risk is acceptable at 2.3% of capital. Strong long-term capitalization index (7.8) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. History of adequate reserve strength (7.0) as reserves have been consistently at an acceptable level.
Other Rating Factors:
Excellent profitability index (7.0). Excellent expense controls. Excellent liquidity (8.5) with ample operational cash flow and liquid investments.
Stability Factors:
G - Fast asset or premium growth.
Principal Lines of Business:
Med mal (20.2%), product liab. (0.2%), other (79.6%)
Licensed in:
All states except CA, DC, UT
Principal Investments:
Investment grade bonds (66.1%), non investment grade bonds (8.2%), common stock (6.8%), cash (2.6%), other (16.3%)
Corporate Info
Group Affiliation
The Doctors Co an InterIns Exchange
Investment Rating
--
Company Address
185 Greenwood Road
Napa, CA 94558
Napa, CA 94558
Phone Number
(707) 226-0100
NAIC Number
41050
Website
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