A
United Guaranty Resdl 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
Income
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Major Rating Factors: Strong long-term capitalization index (7.4 on a scale of 0 to 10) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting significant improvement over results in 2021. Ample reserve history (7.1) that can protect against increases in claims costs. Excellent profitability index (8.0).
Other Rating Factors: Superior liquidity (9.1) with ample operational cash flow and liquid investments. Excellent overall results on stability tests (7.9). Stability strengths include excellent operational trends and excellent risk diversification.
Stability Factors: A - Financial problems or weaknesses of a parent or affiliate company.
Principal Lines of Business: Other (100%)
Licensed in: All states and VI
Principal Investments: Investment grade bonds (86.7%), non investment grade bonds (10.5%), cash (0.4%), other (2.4%)
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
Arch Capital Group Ltd
Investment Rating
Company Address
230 North Elm Street
Greensboro, NC 27401
Phone Number
(800) 334-8966
NAIC Number
15873
Largest Affiliates
B
Jersey City, NJ - P&C
A
Morristown, NJ - P&C
A
Greensboro, NC - P&C
B
Jersey City, NJ - P&C
B
Jersey City, NJ - P&C