Major Rating Factors:
Good overall profitability index (6.4 on a scale of 0 to 10). Good liquidity (6.2) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Good overall results on stability tests (5.4) despite. The largest net exposure for one risk is high at 4.3% of capital. Stability strengths include good operational trends and good risk diversification.
Other Rating Factors:
Fair reserve development (4.0) as reserves have generally been sufficient to cover claims. In 2024 the two year reserve development was 20.0% deficient. 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.
Stability Factors:
L - Past results on our liquidity tests.
R - Concerns about the financial strength of its reinsurers.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (77.3%), fin guar/surety (7.8%), other (14.9%)
Licensed in:
All states except AK, CA, CT, HI, IA, ID, LA, MA, ME, ND, NH, NM, NV, OK, RI, SD, TX, VT
Principal Investments:
Investment grade bonds (70.9%), common stock (13.1%), cash (8.4%), non investment grade bonds (2.0%), other (5.6%)
Corporate Info
Group Affiliation
Atlantic American / Delta Group
Investment Rating
Company Address
3715 Northside Parkway
Atlanta, GA 30327
Atlanta, GA 30327
Phone Number
(404) 266-9599
NAIC Number
10235
Website
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