C
Sabal Specialty Ins Co
Rating Date
June 2026
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 (4.8). Fair overall results on stability tests (3.4) including excessive premium growth, weak results on operational trends and lack of operational experience.
Other Rating Factors: Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Excellent liquidity (7.0) 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. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (100.0%)
Licensed in: (No states)
Principal Investments: Investment grade bonds (98.6%), cash (0.2%), other (1.2%)
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
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Net Premium Growth
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Investments in Affiliates
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Corporate Info
Group Affiliation
NextEra Energy Inc
Investment Rating
NEE
Company Address
700 Universe Blvd
Juno Beach, FL 33408
Phone Number
(561) 304-5532
NAIC Number
17831
Largest Affiliates
C
Juno Beach, FL - P&C