B
Canal Indemnity Co
Rating Date
June 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: Good overall results on stability tests (6.0 on a scale of 0 to 10) despite excessive premium growth. Stability strengths include good operational trends and excellent risk diversification. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. Fair profitability index (4.8) with operating gains in each of the last five years. Return on equity has been low, averaging 3.4% over the past five years.
Other Rating Factors: Strong long-term capitalization index (9.4) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Excellent liquidity (7.0) with ample operational cash flow and liquid investments.
Stability Factors: D - Limited diversification of general business, policy, and/or investment risk.
Principal Lines of Business: Reinsurance (100.0%)
Licensed in: SC
Principal Investments: Common stock (47.7%), investment grade bonds (36.6%), non investment grade bonds (2.4%), cash (0.2%), other (13.1%)
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
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Net Premium Growth
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Investments in Affiliates
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Corporate Info
Group Affiliation
Canal Financial Group Inc
Investment Rating
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Company Address
101 N. Main Street
Greenville, SC 29601
Phone Number
(864) 242-5365
NAIC Number
27790
Largest Affiliates
B
Greenville, SC - P&C