C
United Security Ins Co
Rating Date
April 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Poor long-term capitalization index (2.7 on a scale of 0 to 10) based on weak current risk adjusted capital (severe loss scenarios), although results have slipped from the fair range during the last year. Fair overall results on stability tests (3.6) including weak results on operational trends, excessive premium growth and fair risk adjusted capital in prior years. The largest net exposure for one risk is conservative at 1.2% of capital. History of adequate reserve strength (6.2) as reserves have been consistently at an acceptable level.
Other Rating Factors: Good liquidity (6.4) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Excellent profitability index (8.6).
Stability Factors: C - Past results on our Risk-Adjusted Capital tests. G - Fast asset or premium growth. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (99.7%), other (0.3%)
Licensed in: AR, AZ, GA, IL, IN, MO, NE, OK, TX
Principal Investments: Investment grade bonds (96.0%), cash (0.8%), other (3.2%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
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Corporate Info
Group Affiliation
Warrior Invictus Holding Co Inc
Investment Rating
--
Company Address
6640 South Cicero Avenue
Bedford Park, IL 60638
Phone Number
(708) 475-6100
NAIC Number
81108
Largest Affiliates
C
Bedford Park, IL - P&C
C