Major Rating Factors:
Strong long-term capitalization index (7.9 on a scale of 0 to 10) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Furthermore, this high level of risk adjusted capital has been consistently maintained in previous years. Ample reserve history (9.3) that helps to protect the company against sharp claims increases. Excellent profitability index (8.4) despite modest operating losses during the first three months of 2025.
Other Rating Factors:
Superior liquidity (9.0) with ample operational cash flow and liquid investments. Excellent overall results on stability tests (9.0). Stability strengths include excellent operational trends and excellent risk diversification.
Stability Factors:
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Med mal (90.1%), product liab. (0.2%), other (9.7%)
Licensed in:
All states and GU
Principal Investments:
Investment grade bonds (43.2%), common stock (39.1%), non investment grade bonds (7.4%), preferred stock (1.6%), cash (0.8%), real estate (0.2%), other (7.8%)
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
34495
Website
Largest Affiliates