SJFMSt. Joseph Family Medicine
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Best has assigned an FSR of A+ (Superior) and an ICR of "aa-" to Sompo Japan US Group, which is comprised of SJA and SJFM.
Additionally, the rating action of SJFM is also reflective of the quota share reinsurance agreement it has executed with its immediate parent, SJA, whereby SJFM cedes 100% of premiums and reserves to SJA.
The ratings for SJFM reflect its extremely low underwriting leverage and the challenges inherent in entering the historically volatile California workers' compensation market.