B
Stonetrust Premier Cas Ins Co
Rating Date
June 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: Fair reserve development (3.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair profitability index (4.9) with operating losses during 2020 and 2021. Return on equity has been low, averaging 0.9% over the past five years. Fair overall results on stability tests (3.7) including excessive premium growth. Strengths include potentially strong support from affiliation with Chou Associates Management Inc.
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.
Principal Lines of Business: Work comp (100.0%)
Licensed in: AL, AR, GA, IA, LA, MO, MS, NE, OK, TN, TX
Principal Investments: Cash (64.8%), investment grade bonds (35.2%)
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
Chou Associates Management Inc
Investment Rating
--
Company Address
5615 Corporate Boulevard
Baton Rouge, LA 70808
Phone Number
(225) 923-1050
NAIC Number
16577
Largest Affiliates
A
Baton Rouge, LA - P&C