Major Rating Factors:
Fair long-term capitalization index (3.7 on a scale of 0 to 10) based on fair current risk adjusted capital (severe loss scenarios), although results have slipped from the good range during the last year. Fair profitability index (3.8) with operating losses during 2022 and 2024. Good overall results on stability tests (6.1) despite. Stability strengths include good operational trends and excellent risk diversification. The largest net exposure for one risk is acceptable at 2.9% of capital.
Other Rating Factors:
History of adequate reserve strength (6.9) as reserves have been consistently at an acceptable level. Excellent liquidity (7.2) with ample operational cash flow and liquid investments.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Fin guar/surety (21.4%), personal/comm auto (19.2%), work comp (3.8%), comm multi (3.5%), med mal (2.5%), homeowners (0.9%), product liab. (0.4%), fire (0.2%), other (48.2%)
Licensed in:
AK, AZ, CA, CT, GA, HI, IA, ID, IL, IN, KS, MD, MO, MT, NC, ND, NJ, NV, NY, OR, PA, TX, UT, VA, WA, WI
Principal Investments:
Investment grade bonds (29.3%), real estate (22.0%), cash (21.0%), non investment grade bonds (4.5%), other (23.1%)
Corporate Info
Group Affiliation
AU Holding Co Inc
Investment Rating
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Company Address
10805 Old Mill Road
Omaha, NE 68154
Omaha, NE 68154
Phone Number
(402) 827-3424
NAIC Number
38865
Website
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