C
INTEGON NATIONAL INS CO
Rating Date
December 2023
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Fair profitability index (3.0) with operating losses during 2022. Return on equity has been fair, averaging 10.6% over the past five years.
Other Rating Factors: Fair overall results on stability tests (3.3) including weak results on operational trends and negative cash flow from operations for 2022. The largest net exposure for one risk is high at 4.3% of capital. Strong long-term capitalization index (9.5) 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: 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: Personal/comm auto (56.9%), homeowners (18.5%), comm multi (14.7%), fire (1.0%), other (8.9%)
Licensed in: All states except PR
Principal Investments: Investment grade bonds (66.0%), common stock (17.8%), non investment grade bonds (6.3%), real estate (1.2%), other (8.8%)
Ratios
Premium to Surplus
Reserve to Surplus
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
Investments in Affiliates
Corporate Info
Group Affiliation
AmTrust Financial Services Inc
Investment Rating
ALL
Company Address
5630 University Parkway
WINSTON-SALEM, NC 27105
Phone Number
(414) 369-5033
NAIC Number
29742
Largest Affiliates
B
NORTHBROOK, IL - P&C
B
NORTHBROOK, IL - P&C
C
JACKSONVILLE, FL - L&A
U
NORTHBROOK, IL - P&C
B
NORTHBROOK, IL - P&C
Weiss Ratings