C
KnightBrook 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
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Major Rating Factors: Fair reserve development (4.7 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Good overall profitability index (5.9) despite operating losses during 2023. Strong long-term capitalization index (8.2) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting improvement over results in 2019.
Other Rating Factors: Excellent liquidity (7.1) with ample operational cash flow and liquid investments. Excellent overall results on stability tests (7.3). Stability strengths include excellent operational trends, good risk adjusted capital for prior years and excellent risk diversification.
Stability Factors: F - Negative cash flow. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (93.2%), fin guar/surety (1.6%), comm multi (1.4%), homeowners (1.0%), other (2.7%)
Licensed in: All states except NY
Principal Investments: Common stock (49.8%), investment grade bonds (34.7%), non investment grade bonds (0.4%), cash (0.3%), other (14.8%)
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
Don R Hankey Trust
Investment Rating
--
Company Address
4751 Wilshire Boulevard
Los Angeles, CA 90010
Phone Number
(888) 333-8198
NAIC Number
13722
Largest Affiliates
C
Los Angeles, CA - P&C
C
Los Angeles, CA - P&C