Orange Ins Exchange
Major Rating Factors:
Weak profitability index (2.4 on a scale of 0 to 10) with operating losses during 2023, 2024 and the first six months of 2025. Fair reserve development (4.1) as reserves have generally been sufficient to cover claims. Fair overall results on stability tests (3.2) including weak results on operational trends, lack of operational experience and fair risk adjusted capital in prior years. The largest net exposure for one risk is high at 3.4% of capital.
Other Rating Factors:
Good liquidity (6.6) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Strong long-term capitalization index (7.4) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting significant improvement over results in 2024.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
E - Lack of operating experience.
G - Fast asset or premium growth.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Homeowners (71.3%), fire (26.9%), other (1.7%)
Licensed in:
FL
Principal Investments:
Investment grade bonds (60.3%), common stock (1.7%), cash (0.5%), other (37.5%)
Corporate Info
Group Affiliation
Orange Ins Exchange
Investment Rating
--
Company Address
301 NW 138th Terrace
Jonesville, FL 32669
Jonesville, FL 32669
Phone Number
(866) 896-7233
NAIC Number
17522
Website
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