Development
C
AGRICULTURAL WORKERS MUT AUTO INS CO
Rating Date
December 2023
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: Fair reserve development (4.2 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair overall results on stability tests (3.6) including weak results on operational trends.
Other Rating Factors: Weak profitability index (2.8) with operating losses during 2018, 2020 and 2021. Vulnerable liquidity (2.9) as a spike in claims may stretch capacity. Strong long-term capitalization index (7.4) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Stability Factors: L - Past results on our liquidity tests. R - Concerns about the financial strength of its reinsurers. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Personal/comm auto (58.5%), homeowners (28.9%), fire (1.9%), other (10.8%)
Licensed in: AR, MO, OK, TX
Principal Investments: Common stock (35.7%), investment grade bonds (24.1%), preferred stock (13.4%), cash (5.3%), real estate (1.8%), other (19.7%)
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
Corporate Info
Group Affiliation
Ag Workers Mutual Auto Group
Investment Rating
--
Company Address
5500 LOWER BIRDVILLE ROAD
FORT WORTH, TX 76117
Phone Number
(414) 369-5033
NAIC Number
18430
Largest Affiliates
D
FORT WORTH, TX - P&C