Major Rating Factors:
History of adequate reserve strength (6.3 on a scale of 0 to 10) as reserves have been consistently at an acceptable level. Strong long-term capitalization index (8.1) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Excellent profitability index (7.1) with small operating losses during 2022. Excellent expense controls.
Other Rating Factors:
Excellent liquidity (8.1) with ample operational cash flow and liquid investments. Excellent overall results on stability tests (8.0). Stability strengths include excellent operational trends and excellent risk diversification.
Stability Factors:
Principal Lines of Business:
Med mal (44.2%), product liab. (0.8%), other (55.0%)
Licensed in:
CA, DC, UT
Principal Investments:
Investment grade bonds (42.9%), common stock (26.7%), cash (11.4%), non investment grade bonds (0.4%), preferred stock (0.3%), other (18.4%)
Corporate Info
Group Affiliation
The Doctors Co an InterIns Exchange
Investment Rating
--
Company Address
185 Greenwood Road
Napa, CA 94558
Napa, CA 94558
Phone Number
(707) 226-0100
NAIC Number
34487
Website
Largest Affiliates