Major Rating Factors:
Good overall profitability index (6.9 on a scale of 0 to 10) with operating gains in each of the last five years. Excellent expense controls. Return on equity has been low, averaging 3.4% over the past five years. Good overall results on stability tests (6.4) despite. Stability strengths include good operational trends and good risk diversification. The largest net exposure for one risk is conservative at 1.6% of capital. Strong long-term capitalization index (8.2) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
Ample reserve history (8.2) that helps to protect the company against sharp claims increases. Superior liquidity (9.0) with ample operational cash flow and liquid investments.
Stability Factors:
R - Concerns about the financial strength of its reinsurers.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Med mal (81.0%), other (19.0%)
Licensed in:
HI
Principal Investments:
Investment grade bonds (74.5%), common stock (17.8%), cash (5.7%), real estate (1.2%), other (0.7%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
9229 Sierra College Boulevard
Roseville, CA 95661
Roseville, CA 95661
Phone Number
(916) 773-3992
NAIC Number
44504
Website
Largest Affiliates
No affiliate information available.