B
CSAA Fire & Casualty Ins Co
Rating Date
April 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
--
Total
Assets
Capital
Net
Premiums
Net
Income
Loading...
Major Rating Factors: Good overall profitability index (5.0 on a scale of 0 to 10). Excellent expense controls. Good overall results on stability tests (5.6) despite excessive premium growth and negative cash flow from operations for 2024. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims.
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. Superior liquidity (9.1) with ample operational cash flow and liquid investments.
Stability Factors: F - Negative cash flow. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (61.1%), fire (29.3%), homeowners (4.0%), other (5.6%)
Licensed in: AK, AZ, CA, CO, CT, DC, DE, ID, IN, KS, KY, MD, MT, NV, NY, OH, OK, OR, PA, SD, UT, VA, WA, WV, WY
Principal Investments: Investment grade bonds (98.1%), common stock (0.7%), cash (0.2%), other (1.0%)
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
CSAA Ins Exchange
Investment Rating
--
Company Address
3055 Oak Road
Walnut Creek, CA 94597
Phone Number
(925) 279-2300
NAIC Number
10921
Largest Affiliates
B
Walnut Creek, CA - P&C
C
Glendale, AZ - P&C
B
Glendale, AZ - P&C
B
Walnut Creek, CA - P&C
B
Walnut Creek, CA - P&C