Major Rating Factors:
Poor long-term capitalization index (2.2 on a scale of 0 to 10) based on weak current risk adjusted capital (severe and moderate loss scenarios). A history of deficient reserves (2.8). Underreserving can have an adverse impact on capital and profits. Deficiencies in the two year reserve development occurred in three of the previous five years and ranged between 25.7% and 57.6%. Weak profitability index (2.4) with operating losses during each of the last five years.
Other Rating Factors:
Vulnerable liquidity (0.9) as a spike in claims may stretch capacity. Good overall results on stability tests (5.5) despite weak risk adjusted capital in prior years and negative cash flow from operations for 2025. Stability strengths include good operational trends and excellent risk diversification.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
L - Past results on our liquidity tests.
Principal Lines of Business:
Personal/comm auto (95.1%), other (4.9%)
Licensed in:
AL, AR, AZ, CO, IL, IN, KS, KY, LA, MO, NM, NV, OK, OR, SC, TN, TX, WA
Principal Investments:
Investment grade bonds (85.9%), cash (9.1%), non investment grade bonds (1.8%), other (3.2%)
Corporate Info
Group Affiliation
EP Loya Group LP
Investment Rating
--
Company Address
1800 Lee Trevino
El Paso, TX 79936
El Paso, TX 79936
Phone Number
(915) 590-5692
NAIC Number
27090
Website
Largest Affiliates