Major Rating Factors:
Fair reserve development (4.6 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair profitability index (4.7) with modest operating losses during the first three months of 2025. Return on equity has been fair, averaging 8.4% over the past five years. Good overall results on stability tests (5.9) despite. The largest net exposure for one risk is high at 3.7% of capital. Stability strengths include good operational trends and excellent risk diversification.
Other Rating Factors:
Strong long-term capitalization index (8.1) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Good liquidity (7.0) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Personal/comm auto (19.1%), other (80.9%)
Licensed in:
TX
Principal Investments:
Investment grade bonds (92.0%), common stock (7.4%), other (0.6%)
Corporate Info
Group Affiliation
Germania Farm Mutual Ins Association
Investment Rating
--
Company Address
507 Highway 290 East
Brenham, TX 77833
Brenham, TX 77833
Phone Number
(979) 836-5224
NAIC Number
36854
Website
Largest Affiliates