AmGUARD Ins Co
Major Rating Factors:
Fair long-term capitalization index (4.5 on a scale of 0 to 10) based on good current risk adjusted capital (severe loss scenarios) reflecting some improvement over results in 2024. Good overall results on stability tests (6.2) despite negative cash flow from operations for 2025 and fair risk adjusted capital in prior years. The largest net exposure for one risk is high at 3.3% of capital. Strengths include potentially strong support from affiliation with Berkshire Hathaway Inc. Superior liquidity (9.4) with ample operational cash flow and liquid investments.
Other Rating Factors:
A history of deficient reserves (2.1) that places pressure on both capital and profits. In 2024 and 2025 the two year reserve development was 48.2% and 55.5% deficient respectively. Weak profitability index (2.9) with operating losses during 2021, 2023, 2024 and 2025.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
F - Negative cash flow.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (31.8%), comm multi (27.3%), work comp (21.9%), homeowners (10.1%), fire (0.3%), other (8.6%)
Licensed in:
All states
Principal Investments:
Investment grade bonds (53.5%), common stock (27.7%), cash (18.8%)
Corporate Info
Group Affiliation
Berkshire Hathaway Inc
Investment Rating
--
Company Address
39 Public Square
Wilkes-Barre, PA 18701
Wilkes-Barre, PA 18701
Phone Number
--
NAIC Number
42390
Website
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