C
Viceroy Pfd Ins Co
Rating Date
June 2026
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: Weak overall results on stability tests (2.6 on a scale of 0 to 10) including excessive premium growth, weak results on operational trends and negative cash flow from operations for 2025. The largest net exposure for one risk is high at 3.4% of capital. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. Good long-term capitalization index (6.2) based on good current risk adjusted capital (severe loss scenarios).
Other Rating Factors: Excellent profitability index (9.0). Excellent liquidity (7.2) with ample operational cash flow and liquid investments.
Stability Factors: D - Limited diversification of general business, policy, and/or investment risk. E - Lack of operating experience. F - Negative cash flow. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Homeowners (83.0%), fire (17.0%)
Licensed in: FL
Principal Investments: Cash (100.0%)
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
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Investments in Affiliates
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Corporate Info
Group Affiliation
Hale Partnership Capital Management LLC
Investment Rating
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Company Address
3490 Martin Hurst Road
Tallahassee, FL 32312
Phone Number
(800) 293-2532
NAIC Number
17822
Largest Affiliates
D
Tallahassee, FL - P&C