Rating Date
April 2025
NAIC
Classification
Classification
Risk Adjusted
Capital Ratio #1
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Capital Ratio #2
Loss
Ratio
Ratio
Total
Assets
Assets
Capital
Net
Premiums
Premiums
Net
Income
Income
Major Rating Factors:
Good overall profitability index (6.2 on a scale of 0 to 10). Fair overall results on stability tests (4.1) including excessive premium growth, weak results on operational trends and fair risk adjusted capital in prior years. Strong long-term capitalization index (7.3) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting significant improvement over results in 2020.
Other Rating Factors:
Ample reserve history (7.0) that can protect against increases in claims costs. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Stability Factors:
A - Financial problems or weaknesses of a parent or affiliate company.
D - Limited diversification of general business, policy, and/or investment risk.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (100.0%)
Licensed in:
CA
Principal Investments:
Investment grade bonds (73.9%), other (26.1%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
--
Investments in Affiliates
--
Corporate Info
Group Affiliation
California Casualty Indemnity Exchange
Investment Rating
--
Company Address
1875 South Grant Street
San Mateo, CA 94402
San Mateo, CA 94402
Phone Number
(650) 574-4000
NAIC Number
10063
Website
Largest Affiliates