B
Accredited Specialty Ins Co
OrlandoFL
Rating Date
October 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
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Ratio
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Major Rating Factors: Good long-term capitalization index (6.8 on a scale of 0 to 10) based on good current risk adjusted capital (severe loss scenarios). Fair profitability index (4.5) with operating losses during 2020, 2021, 2022 and the first six months of 2025. Return on equity has been low, averaging 0.7% over the past five years. Fair overall results on stability tests (3.9) including weak results on operational trends and negative cash flow from operations for 2024.
Other Rating Factors: Ample reserve history (7.2) that can protect against increases in claims costs. Excellent liquidity (7.1) with ample operational cash flow and liquid investments.
Stability Factors: A - Financial problems or weaknesses of a parent or affiliate company. F - Negative cash flow. G - Fast asset or premium growth. R - Concerns about the financial strength of its reinsurers. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (45.7%), homeowners (27.5%), comm multi (5.6%), fire (1.8%), other (19.4%)
Licensed in: (No states)
Principal Investments: Common stock (59.8%), cash (28.8%), investment grade bonds (11.2%), other (0.2%)
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2-Year Reserve Development
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Investments in Affiliates
Corporate Info
Group Affiliation
Onex Raven Holdings Inc
Investment Rating
--
Company Address
4798 New Broad Street
Orlando, FL 32814
Phone Number
(407) 629-2131
NAIC Number
16835
Largest Affiliates