Toggle Ins Co
Major Rating Factors:
Good profitability index (5.0 on a scale of 0 to 10) with modest operating losses during the first three months of 2025. Excellent expense controls. Return on equity has been low, averaging 1.1% over the past five years. Good overall results on stability tests (6.5) despite excessive premium growth and negative cash flow from operations for 2024. Stability strengths include good operational trends and excellent risk diversification. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims.
Other Rating Factors:
Strong long-term capitalization index (10.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Stability Factors:
F - Negative cash flow.
G - Fast asset or premium growth.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Fin guar/surety (57.5%), personal/comm auto (32.4%), homeowners (10.1%)
Licensed in:
All states except CA
Principal Investments:
Investment grade bonds (88.2%), cash (11.8%)
Corporate Info
Group Affiliation
Farmers Ins Group of Companies
Investment Rating
--
Company Address
6301 Owensmouth Avenue
Woodland Hills, CA 91367
Woodland Hills, CA 91367
Phone Number
(818) 965-0433
NAIC Number
44245
Website
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