Major Rating Factors:
Good overall profitability index (6.3 on a scale of 0 to 10) with operating gains in each of the last five years. Excellent expense controls. Return on equity has been good over the last five years, averaging 12.1%. Good overall results on stability tests (6.7) despite. Strengths include potentially strong support from affiliation with The Doctors Co an InterIns Exchange. The largest net exposure for one risk is acceptable at 2.4% of capital. Strong long-term capitalization index (7.1) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors:
History of adequate reserve strength (6.9) as reserves have been consistently at an acceptable level. Excellent liquidity (7.9) with ample operational cash flow and liquid investments.
Stability Factors:
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Med mal (21.6%), product liab. (0.4%), other (77.9%)
Licensed in:
All states except CA, DC, UT
Principal Investments:
Investment grade bonds (73.9%), non investment grade bonds (13.8%), cash (3.1%), common stock (0.7%), other (8.5%)
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
41050
Website
Largest Affiliates