Major Rating Factors:
Fair long-term capitalization index (4.6 on a scale of 0 to 10) based on fair current risk adjusted capital (severe loss scenarios), although results have slipped from the excellent range during the last year. Weak profitability index (2.2) with operating losses during 2024 and 2025. Vulnerable liquidity (1.9) as a spike in claims may stretch capacity.
Other Rating Factors:
History of adequate reserve strength (6.8) as reserves have been consistently at an acceptable level. Good overall results on stability tests (6.4) despite. Stability strengths include good operational trends and excellent risk diversification.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
L - Past results on our liquidity tests.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Fin guar/surety (31.5%), personal/comm auto (7.7%), work comp (3.4%), med mal (2.3%), comm multi (1.4%), product liab. (0.4%), fire (0.3%), other (53.1%)
Licensed in:
All states except AK, HI, ID
Principal Investments:
Investment grade bonds (51.3%), common stock (27.7%), cash (13.9%), preferred stock (6.0%), non investment grade bonds (0.2%), other (1.0%)
Corporate Info
Group Affiliation
AU Holding Co Inc
Investment Rating
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Company Address
10805 Old Mill Road
Omaha, NE 68154
Omaha, NE 68154
Phone Number
(402) 827-3424
NAIC Number
21962
Website
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Largest Affiliates