B
Amer Contractors Ins Co RRG
Rating Date
June 2026
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Good overall results on stability tests (5.4) despite excessive premium growth. Strong long-term capitalization index (9.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital has steadily grown over the last five years.
Other Rating Factors: Excellent profitability index (9.1). Excellent expense controls. Superior liquidity (9.6) with ample operational cash flow and liquid investments.
Stability Factors: D - Limited diversification of general business, policy, and/or investment risk. G - Fast asset or premium growth. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (17.0%), other (83.0%)
Licensed in: TX
Principal Investments: Cash (51.1%), investment grade bonds (48.9%)
Ratios
Premium to Surplus
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Reserve to Surplus
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1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
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Combined Ratio
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Cash From Underwriting
Net Premium Growth
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Investments in Affiliates
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Corporate Info
Group Affiliation
American Contractors Ins Group Ltd
Investment Rating
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Company Address
2600 North Central Expressway
Richardson, TX 75080
Phone Number
(972) 702-9004
NAIC Number
12300
Largest Affiliates
B
Richardson, TX - P&C