Major Rating Factors:
Fair liquidity (3.5 on a scale of 0 to 10) as cash resources may not be adequate to cover a spike in claims. Fair long-term capitalization index (4.9) based on fair current risk adjusted capital (moderate loss scenarios), although results have slipped from the weak range during the last year. History of adequate reserve strength (5.8) as reserves have been consistently at an acceptable level.
Other Rating Factors:
Good overall results on stability tests (5.9) despite excessive premium growth, weak risk adjusted capital in prior years and negative cash flow from operations for 2025. Stability strengths include good operational trends and good risk diversification. Excellent profitability index (8.8).
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
G - Fast asset or premium growth.
L - Past results on our liquidity tests.
Principal Lines of Business:
Comm multi (69.1%), personal/comm auto (13.1%), fire (3.7%), product liab. (0.8%), fin guar/surety (0.7%), other (12.6%)
Licensed in:
PR
Principal Investments:
Investment grade bonds (67.4%), cash (18.0%), common stock (8.1%), other (6.5%)
Corporate Info
Group Affiliation
One Alliance Ins Corporation
Investment Rating
--
Company Address
Metro Office Park Calle #1
Guaynabo, PR 00966
Guaynabo, PR 00966
Phone Number
(787) 622-3333
NAIC Number
15646
Website
Largest Affiliates