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| Ratings |
Zenith National Insurance Corp. is an indirect wholly-owned subsidiary of Fairfax Financial Holdings Limited. Zenith National Insurance Corp. is the holding company for Zenith Insurance Company and its subsidiaries, including ZNAT Insurance Company ("Zenith"). The insurance subsidiaries of Zenith National Insurance Corp. are independently rated and have received the following ratings from the major rating agencies:
Rating agencies examine a myriad of key factors, including:
- Quantitative financial performance - profit margins, financial leverage, liquidity, cash flows, capital and surplus ratios.
- Qualitative judgments - underwriting cycle, competitive environment, regulatory and political factors, soundness of reinsurance, reserves, quality of invested assets, management experience and accomplishments.
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