Major Rating Factors:
Weak profitability index (2.2 on a scale of 0 to 10) with operating losses during 2025. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. Fair overall results on stability tests (2.9) including excessive premium growth, weak results on operational trends and lack of operational experience. The largest net exposure for one risk is conservative at 1.5% of capital.
Other Rating Factors:
Strong long-term capitalization index (7.6) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Excellent liquidity (7.9) with ample operational cash flow and liquid investments.
Stability Factors:
E - Lack of operating experience.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Comm multi (30.0%), fire (17.2%), personal/comm auto (8.8%), fin guar/surety (7.0%), homeowners (3.0%), med mal (0.3%), other (33.8%)
Licensed in:
(No states)
Principal Investments:
Cash (16.9%), other (83.1%)
Corporate Info
Group Affiliation
ACP Ins Management LLC
Investment Rating
--
Company Address
807 Avenue Ponce De Leon
San Juan, PR 00907
San Juan, PR 00907
Phone Number
(833) 284-9200
NAIC Number
17765
Website
Largest Affiliates