Major Rating Factors:
Vulnerable liquidity (0.0 on a scale of 0 to 10) as a spike in claims may stretch capacity. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. Good overall results on stability tests (6.2) despite excessive premium growth and negative cash flow from operations for 2025. Other stability subfactors include potentially strong support from affiliation with American Family Ins Group, good operational trends and excellent risk diversification.
Other Rating Factors:
Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years. Excellent profitability index (8.3). Excellent expense controls.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
G - Fast asset or premium growth.
L - Past results on our liquidity tests.
Principal Lines of Business:
Personal/comm auto (55.9%), homeowners (36.1%), comm multi (4.6%), farmowners (2.3%), other (1.1%)
Licensed in:
AZ, CO, GA, IA, ID, IL, IN, KS, MN, MO, ND, NE, NV, OH, OR, SD, UT, WA, WI
Principal Investments:
Cash (83.4%), investment grade bonds (16.2%), other (0.4%)
Corporate Info
Group Affiliation
American Family Ins Group
Investment Rating
--
Company Address
6000 American Parkway
Madison, WI 53783
Madison, WI 53783
Phone Number
(608) 242-4100
NAIC Number
10386
Website
Largest Affiliates