Major Rating Factors:
Good overall profitability index (6.9 on a scale of 0 to 10). Excellent expense controls. Good overall results on stability tests (6.5) despite. Stability strengths include good operational trends and good risk diversification. The largest net exposure for one risk is conservative at 1.7% of capital. Strong long-term capitalization index (8.1) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
History of adequate reserve strength (7.0) as reserves have been consistently at an acceptable level. Good liquidity (6.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors:
R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business:
Med mal (80.6%), other (19.4%)
Licensed in:
HI
Principal Investments:
Investment grade bonds (71.8%), common stock (19.9%), cash (6.1%), real estate (1.1%), other (1.1%)
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
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