C
Kentucky Employers Mutual Ins
Rating Date
June 2026
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: History of adequate reserve strength (5.0 on a scale of 0 to 10) as reserves have been consistently at an acceptable level. Good overall results on stability tests (6.8) despite. Stability strengths include good operational trends and excellent risk diversification. Strong long-term capitalization index (7.6) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital has steadily grown over the last five years.
Other Rating Factors: Excellent profitability index (8.6). Excellent liquidity (7.1) with ample operational cash flow and liquid investments.
Stability Factors:
Principal Lines of Business: Work comp (100.0%)
Licensed in: KY
Principal Investments: Investment grade bonds (86.8%), common stock (5.2%), non investment grade bonds (2.7%), cash (1.0%), preferred stock (0.3%), other (4.1%)
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
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Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
250 West Main Street
Lexington, KY 40507
Phone Number
(859) 425-7800
NAIC Number
10320
Largest Affiliates
There are no affiliate to display.