B
Associated Industries 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. Good overall profitability index (5.3) with small operating losses during 2020. Excellent expense controls. Return on equity has been low, averaging 2.2% over the past five years. Good overall results on stability tests (6.6) despite excessive premium growth and negative cash flow from operations for 2024. Other stability subfactors include potentially strong support from affiliation with Evergreen Parent Gp LLC, good operational trends and excellent risk diversification.
Other Rating Factors: Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years. Excellent liquidity (7.0) with ample operational cash flow and liquid investments.
Stability Factors: F - Negative cash flow. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Comm multi (12.5%), work comp (8.4%), product liab. (6.8%), fire (2.9%), personal/comm auto (0.4%), other (69.1%)
Licensed in: FL
Principal Investments: Investment grade bonds (97.4%), non investment grade bonds (0.6%), common stock (0.5%), other (1.5%)
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