Major Rating Factors:
Fair profitability index (4.1 on a scale of 0 to 10) with operating losses during 2022, 2023 and 2024. Good liquidity (5.1) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Good overall results on stability tests (5.5) despite negative cash flow from operations for 2025. Stability strengths include good operational trends, good risk adjusted capital for prior years and good risk diversification.
Other Rating Factors:
Strong long-term capitalization index (7.1) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting improvement over results in 2024. Ample reserve history (9.2) that helps to protect the company against sharp claims increases.
Stability Factors:
F - Negative cash flow.
L - Past results on our liquidity tests.
Principal Lines of Business:
Homeowners (45.6%), farmowners (18.9%), fire (7.9%), personal/comm auto (3.5%), other (24.1%)
Licensed in:
AR, TX
Principal Investments:
Common stock (55.5%), cash (19.2%), investment grade bonds (7.9%), non investment grade bonds (0.4%), other (16.9%)
Corporate Info
Group Affiliation
Columbia Lloyds Ins Co
Investment Rating
--
Company Address
2200 West Alabama Street
Houston, TX 77098
Houston, TX 77098
Phone Number
(713) 395-1071
NAIC Number
20320
Website
Largest Affiliates