B
Associated Industries Ins Co
Rating Date
April 2025
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 overall results on stability tests (4.2) including excessive premium growth, weak results on operational trends and negative cash flow from operations for 2023. Strengths include potentially strong support from affiliation with Evergreen Parent Gp LLC. Good overall profitability index (5.2) with small operating losses during 2020. Excellent expense controls. Return on equity has been low, averaging 2.4% over the past five years.
Other Rating Factors: Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Stability Factors: F - Negative cash flow. R - Concerns about the financial strength of its reinsurers. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Work comp (12.3%), comm multi (8.7%), product liab. (5.7%), fire (4.9%), personal/comm auto (0.4%), other (67.9%)
Licensed in: FL
Principal Investments: Investment grade bonds (97.8%), non investment grade bonds (1.6%), common stock (0.6%)
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
Net Premium Growth
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Investments in Affiliates
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Corporate Info
Group Affiliation
Evergreen Parent Gp LLC
Investment Rating
--
Company Address
903 Northwest 65th Street
Boca Raton, FL 33487
Phone Number
(561) 962-9300
NAIC Number
23140
Largest Affiliates
A
New York, NY - P&C
A
New York, NY - P&C
B
Boca Raton, FL - P&C