B
Bondex Ins Co
Rating Date
April 2025
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: Good overall results on stability tests (5.7 on a scale of 0 to 10) despite excessive premium growth. Stability strengths include good operational trends, good risk adjusted capital for prior years and excellent risk diversification. Fair reserve development (4.1) as reserves have generally been sufficient to cover claims. Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting improvement over results in 2019.
Other Rating Factors: Excellent profitability index (8.7). Excellent expense controls. Superior liquidity (10.0) 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. R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business: Fin guar/surety (100.0%)
Licensed in: AL, AZ, CT, DE, FL, GA, MD, NC, NJ, NY, PA, SC, TN, TX, WV
Principal Investments: Investment grade bonds (76.8%), cash (4.4%), other (18.8%)
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
Builders Ins Mutual Holding Co
Investment Rating
--
Company Address
Westminster Corporate Center
Florham Park, NJ 07932
Phone Number
(973) 370-2663
NAIC Number
12965
Largest Affiliates
B
Atlanta, GA - P&C
B
Atlanta, GA - P&C
C
Atlanta, GA - P&C
B
Atlanta, GA - P&C