Major Rating Factors:
Fair liquidity (3.8 on a scale of 0 to 10) as cash resources may not be adequate to cover a spike in claims. Good overall profitability index (5.3) despite operating losses during 2021, 2022 and 2023. Good overall results on stability tests (6.8) despite good risk adjusted capital in prior years. Stability strengths include good operational trends and excellent risk diversification.
Other Rating Factors:
Strong long-term capitalization index (7.1) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting significant improvement over results in 2023. Ample reserve history (8.4) that helps to protect the company against sharp claims increases.
Stability Factors:
Principal Lines of Business:
Personal/comm auto (97.3%), other (2.7%)
Licensed in:
CA
Principal Investments:
Investment grade bonds (96.2%), cash (0.6%), other (3.3%)
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
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Corporate Info
Group Affiliation
EP Loya Group LP
Investment Rating
--
Company Address
1800 Lee Trevino
El Paso, TX 79936
El Paso, TX 79936
Phone Number
(915) 590-5692
NAIC Number
12589
Website
Largest Affiliates