GBC Carrier Score

Everett Cash Mutual (formerly American Reliable equine)

of 100

Based on 1 of 3 pillars.Remaining pillars are in verification — see methodology for details.

The 3 pillars

AM Best Financial Strength 40% weight

AM Best raw rating: A. Maps to a 0-100 score per the methodology.

GBC Price Percentile 30% weight

Pending

Price data is structurally unavailable or pending verification (see methodology).

NAIC Complaint Index 30% weight

Pending

NAIC complaint index not yet pulled — Phase 2 ETL will populate this pillar.

Pending note American Reliable equine book transitioned to Everett Cash Mutual (ECM) per SEOexpert verification 2026-06-07. AM Best A (Excellent) status 'under review (positive)' reflecting ECM transition (Oct 2025). PriceScore NOT RETRIEVABLE VIA AUTOMATION — ECM's farm-ranch rates ARE filed publicly with state DOIs, but SERFF Filing Access (the primary public access portal) explicitly prohibits automated download in its User Agreement. Manual one-off retrieval is permitted; bulk automation is not. Distinct from the other PENDING carriers in the equine pilot where rates are structurally absent (Chubb E&S exempt, Markel inland-marine informational-only, Hartford specialty MGA per-risk). NAIC complaint index pending.

How the GBC Score is computed

The GBC Carrier Score is a 0-100 composite weighing three independent data pillars: AM Best Financial Strength (40%) + GBC Price Percentile (30%) + NAIC Complaint Index (30%). When fewer than 3 pillars are available for a carrier, the score is presented with a "Based on N of 3 pillars" transparency label (never inventing values). Full formula, data sources, and integrity rules are published at /methodology/gbc-score .

Vertical context

Everett Cash Mutual (formerly American Reliable equine) is currently in the GBC Carrier Score equine pilot — see the Horse Stable Insurance Guide for the full carrier comparison table including sibling equine carriers. Phase-2 + Phase-3 expansion to non-equine verticals (Restaurant, Plumber, Commercial Truck, etc.) is scoped at /methodology/gbc-score.

GBC Carrier Score · Published by Get Business Coverage · See methodology for full formula + data sources.