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#inktober2018 DAY 1: POISONOUS (velenoso) Ovviamente cos'altro c'è di più velenoso? #ink #inking #inktober #inktober2018day1 #aoig #aoi #aoigchan #lovedrawing #lovedsketch #sketchbook https://www.instagram.com/p/BoYmMF1nQ5Z/?utm_source=ig_tumblr_share&igshid=13rddmdi4xwrt
#inktober2018#ink#inking#inktober#inktober2018day1#aoig#aoi#aoigchan#lovedrawing#lovedsketch#sketchbook
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San Francisco 1920 | by Sandra Mucha | Here's hoping this view soothes your craving for the hussle and bussle of citylife. SandraMucha.com #bringingtheoutsidein #cityviews #cityscapes #SanFranciscoart #inksketch #inkdrawings #society6 #aoig #aotd #inkoftheday #inkoftheweek #blackandwhiteart #lineart #linedrawings #SandraMuchaArtwork https://www.instagram.com/p/B-b_8NMn0mZ/?igshid=je0vhdpq8mpy
#bringingtheoutsidein#cityviews#cityscapes#sanfranciscoart#inksketch#inkdrawings#society6#aoig#aotd#inkoftheday#inkoftheweek#blackandwhiteart#lineart#linedrawings#sandramuchaartwork
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A writer is someone...⠀ ⠀ ⠀ #quotes #inspirationalquotes #writing #writerslife #motivationalquotes #writersofinstagram #authorsofinstagram #AOIG
#aoig#motivationalquotes#writerslife#writing#quotes#writersofinstagram#authorsofinstagram#inspirationalquotes
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IKEAでTwitterで話題のサメ🦈の抱き枕を買っちゃいました！ 今日からこれを抱いて寝ます😁 でも明日から会社に通うか、ホテルをマンスリー契約するか、アパートを借りるか決めないと.... 出張が多いとはいえど、片道2時間以上の通勤はきつい！ とりあえず明日は電車で通います！ オツカレデス #サメ #抱き枕 #ikea #イケア #シャーク #shark #オツカレデス #悩みどころ https://www.instagram.com/p/BsSYz_-Aoig/?utm_source=ig_tumblr_share&igshid=16aezll8kni9t
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227's YouTube Chili' Utah Chili' Jazz #TakeNote Spicy' https://www.nike.com/w/utah-jazz-kn3 https://www.americanexpress.com Spicy' NBA Mix! OFFSEASON REALISTIC REBUILD! (NBA 2K21) https://www.youtube.com/watch?v=0-Aoig-cQTQ&utm_source=dlvr.it&utm_medium=tumblr
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야식. 백종원만능소스~~♡♡ #백종원만능소스 #야식 #닭똥집 https://www.instagram.com/p/B6YGy0-AoIg/?igshid=1roi520433540
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AM Best Revises Outlooks to Positive for Concord Group Insurance Pool Members; Affirms Credit Ratings of Auto-Owners Insurance Company and Certain Subsidiaries
OLDWICK, N.J.–(BUSINESS WIRE)–AM Best has revised the outlooks to positive from stable and affirmed the Financial Strength Rating (FSR) of A (Excellent) and the Long-Term Issuer Credit Ratings (Long-Term ICR) of “a+” of the members of Concord Group Insurance Pool (Concord Group), which is led by Concord General Mutual Insurance Company (Concord General) (Concord, NH).
Concurrently, AM Best has affirmed the FSR of A++ (Superior) and the Long-Term ICRs of “aa+” of Auto-Owners Insurance Company (Auto-Owners) (Lansing, MI) and its four wholly owned property/casualty (P/C) companies that compose Auto-Owners Insurance Group (AOIG). Also, AM Best has affirmed the FSR of A (Excellent) and the Long-Term ICR of “a+” of Atlantic Casualty Insurance Company (Atlantic Casualty) (Goldsboro, NC). At the same time, AM Best has affirmed the FSR of A- (Excellent) and the Long-Term ICR of “a-” of Auto-Owners Specialty Insurance Company (AOSIC) (Dover, DE). In addition, AM Best has affirmed the FSR of A+ (Superior) and the Long-Term ICR of “aa-” of Auto-Owners Life Insurance Company (AOLIC) (Lansing, MI), also a wholly owned subsidiary of Auto-Owners. The outlook of these Credit Ratings (ratings) remains stable. (See below for a detailed listing of the companies).
The ratings of Concord Group reflect its balance sheet strength, which AM Best categorizes as very strong, as well as its adequate operating performance, neutral business profile and appropriate enterprise risk management (ERM).
The rating actions reflect Concord Group’s strategic position within the Auto-Owners organization, as well as the significant operating and financial benefits that Concord Group has realized as a result of its April 2017 affiliation with Auto-Owners, which is a highly rated, super-regional insurer with more than $11 billion in policyholders’ surplus.
The ratings of AOIG reflect its balance sheet strength, which AM Best categorizes as strongest, as well as its very strong operating performance, favorable business profile and appropriate ERM.
AOIG has exhibited generally improved operating performance in recent years. AOIG also maintains a business profile that is well-balanced between personal and commercial lines and P/C business. Through its acquisition of Atlantic Casualty and AOSIC in 2016, its affiliation with Concord General in 2017 and its acquisition of Capital Insurance Group in 2019, AOIG has further broadened its business profile from a product and geographic perspective. These positive rating factors are offset partially by its exposure to credit risk associated with the Michigan Catastrophic Claims Association.
The ratings of Atlantic Casualty reflect its balance sheet strength, which AM Best categorizes as strongest, as well as its adequate operating performance, neutral business profile and appropriate ERM.
Since its acquisition, Auto-Owners has increasingly supported Atlantic Casualty in various functions including, but not limited to: actuarial services, product development, reinsurance, claims, marketing and information technology. The ratings also reflect Atlantic Casualty’s improved operating performance in recent years.
The ratings of AOSIC reflect its balance sheet strength, which AM Best categorizes as very strong, as well as its adequate operating performance, very limited business profile and appropriate ERM.
AOSIC is a shell company that plans to provide excess and surplus lines coverage to small and medium-sized commercial businesses in North Carolina. Risk-adjusted capitalization is supportive of its business plan, which includes moderate premium growth projections. In addition, the company is led by a management team with a track record of generating favorable operating results at its sister company, Atlantic Casualty, and possessing extensive knowledge of the surplus lines and commercial P/C business. These positive rating factors are offset partially by the expected concentration of non-admitted business in one state.
The ratings of AOLIC reflect its balance sheet strength, which AM Best categorizes as very strong, as well as its strong operating performance, neutral business profile and appropriate ERM.
The ratings also reflect AOLIC’s integral role and positive contribution to its P/C parent organization, diversified product portfolio, its favorable level of risk-adjusted capitalization and high quality investment portfolio. In addition to these rating factors, the company’s solid and steady operating results partially offset its geographical business concentration risk.
The outlooks have been revised to positive from stable and the FSR of A (Excellent) and the Long-Term ICRs of “a+” have been affirmed for the following members of Concord Group Insurance Pool:
Concord General Mutual Insurance Company
Green Mountain Insurance Company, Inc.
State Mutual Insurance Company
Sunapee Mutual Fire Insurance Company
Vermont Accident Insurance Company, Inc.
The FSR of A++ (Superior) and the Long-Term ICRs of “aa+” have been affirmed, each with a stable outlook, for Auto-Owners Insurance Company and its wholly owned P/C subsidiaries:
Home-Owners Insurance Company
Owners Insurance Company
Property-Owners Insurance Company
Southern-Owners Insurance Company
This press release relates to Credit Ratings that have been published on AM Best’s website. For all rating information relating to the release and pertinent disclosures, including details of the office responsible for issuing each of the individual ratings referenced in this release, please see AM Best’s Recent Rating Activity web page. For additional information regarding the use and limitations of Credit Rating opinions, please view Understanding Best’s Credit Ratings. For information on the proper media use of Best’s Credit Ratings and AM Best press releases, please view Guide for Media – Proper Use of Best’s Credit Ratings and AM Best Rating Action Press Releases.
AM Best is a global rating agency and information provider with a unique focus on the insurance industry. Visit www.ambest.com for more information.
Copyright © 2019 by A.M. Best Rating Services, Inc. and/or its affiliates. ALL RIGHTS RESERVED.
The post AM Best Revises Outlooks to Positive for Concord Group Insurance Pool Members; Affirms Credit Ratings of Auto-Owners Insurance Company and Certain Subsidiaries appeared on Stocks News Feed.
source https://stocksnewsfeed.com/businesswire/am-best-revises-outlooks-to-positive-for-concord-group-insurance-pool-members-affirms-credit-ratings-of-auto-owners-insurance-company-and-certain-subsidiaries/
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Ci sto mettendo una vita perché non ho molto tempo...ma lo finirò...giuro che lo finirò 😱 #drawing #acrilico #dragontrainer #nightfury #night #lightfury #lovedrawing #lovedsketch #love #aoi #aoig #aoigchan #sketch #skechbook #sketchart #color #coloring #loveeee #❤ #💕 #💕❤️ #✏
#💕#love#color#coloring#acrilico#lightfury#nightfury#aoi#skechbook#💕❤️#✏#lovedrawing#dragontrainer#lovedsketch#loveeee#sketch#drawing#❤#aoigchan#aoig#sketchart#night
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Ci sto mettendo una vita perché non ho molto tempo...ma lo finirò...giuro che lo finirò 😱 #drawing #acrilico #dragontrainer #nightfury #night #lightfury #lovedrawing #lovedsketch #love #aoi #aoig #aoigchan #sketch #skechbook #sketchart #color #coloring #loveeee #❤ #💕 #💕❤️ #✏
#aoi#night#lightfury#dragontrainer#💕#love#lovedrawing#aoig#aoigchan#lovedsketch#nightfury#❤#acrilico#coloring#skechbook#✏#drawing#loveeee#💕❤️#sketchart#sketch#color
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In the mean time...❤ #drawing #acrilico #dragontrainer #nightfury #night #lightfury #lovedrawing #lovedsketch #love #aoi #aoig #aoigchan #sketch #skechbook #sketchart #color #coloring #loveeee #❤ #💕 #💕❤️ #✏
#lovedsketch#aoig#night#lightfury#nightfury#💕❤️#loveeee#drawing#aoigchan#sketch#sketchart#skechbook#lovedrawing#dragontrainer#acrilico#coloring#color#aoi#💕#love#✏#❤
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In the mean time...❤ #drawing #acrilico #dragontrainer #nightfury #night #lightfury #lovedrawing #lovedsketch #love #aoi #aoig #aoigchan #sketch #skechbook #sketchart #color #coloring #loveeee #❤ #💕 #💕❤️ #✏
#💕#nightfury#love#✏#lovedsketch#acrilico#aoigchan#coloring#sketch#dragontrainer#color#aoig#❤#drawing#lightfury#aoi#skechbook#sketchart#loveeee#💕❤️#lovedrawing#night
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In the mean time...❤ #drawing #acrilico #dragontrainer #nightfury #night #lightfury #lovedrawing #lovedsketch #love #aoi #aoig #aoigchan #sketch #skechbook #sketchart #color #coloring #loveeee #❤ #💕 #💕❤️ #✏
#drawing#love#lovedrawing#✏#sketchart#skechbook#coloring#loveeee#night#dragontrainer#nightfury#lightfury#aoi#aoigchan#aoig#acrilico#💕#sketch#color#❤#💕❤️#lovedsketch
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Pronto per essere coloratooo ❤ #drawing #draghiniiii #draghini #aoi #aoig #aoigchan #ink #inking #color #coloring #toothless #dragons #dragontrainer #lightfury #nightfury #lovedrawing #lovedsketch #sketch #skechbook #sketchart #loveeee
#toothless#drawing#loveeee#lightfury#dragons#lovedrawing#sketchart#coloring#aoig#draghiniiii#dragontrainer#draghini#aoi#nightfury#lovedsketch#inking#ink#aoigchan#color#sketch#skechbook
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E intanto...work in progress ❤ #drawing #lovedrawing #aoig #aoigchan #aoi #sketch #skechbook #sketchart #lovesketching #color #coloring
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Speedpaint on my facebook page: facebook.com/AoiGchan #scuoladicomics #coloring #ink #inking #drawing #draw #lovedrawing #lovedsketch #sketch #robot #fantascience #aoi #aoig #aoigchan #specchioriflesso #color #lovesketching #sketch #sketchbook #loves #lovecolor #photoshop
#fantascience#aoigchan#specchioriflesso#sketchbook#sketch#robot#scuoladicomics#draw#inking#drawing#color#ink#lovedsketch#coloring#loves#photoshop#lovesketching#aoi#lovedrawing#aoig#lovecolor
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