B
Scottsdale Indemnity 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 profitability index (4.9 on a scale of 0 to 10). Excellent expense controls. Good overall results on stability tests (5.9) despite excessive premium growth. Other stability subfactors include potentially strong support from affiliation with Nationwide Mutual Group, good operational trends and excellent risk diversification. 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), despite some fluctuation in capital levels. 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. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Comm multi (4.1%), product liab. (1.4%), personal/comm auto (1.1%), homeowners (1.0%), fire (1.0%), other (91.3%)
Licensed in: All states except AZ, DE, also licensed in GU, PR, VI
Principal Investments: Investment grade bonds (97.6%), other (2.4%)
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
Nationwide Mutual Group
Investment Rating
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Company Address
18700 North Hayden Road
Scottsdale, AZ 85255
Phone Number
(480) 365-4000
NAIC Number
15580
Website
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Largest Affiliates
B
COLUMBUS, OH - L&A
B
Columbus, OH - P&C
B