C
Kentucky Employers Mutual Ins
Rating Date
October 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
2.83
Risk Adjusted
Capital Ratio #2
1.63
Loss
Ratio
59.21%
Total
Assets
1.19B
Capital
411.79M
Net
Premiums
59.93M
Net
Income
22.65M
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Weiss Ratings Kentucky Employers Mutual Ins
Lexington, KY 		Click to
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Rating C
Capitalization Index 7.80
Investment Safety Index --
Liquidity Index 8.20
Profitability Index 8.60
Reserve Adequacy Index 4.80
Stability Index 6.80
Company Info Kentucky Employers Mutual Ins
Lexington, KY 		Click to
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Industry P&C
NAIC Number 10320
Phone Number (859) 425-7800
Website www.kemi.com
Address 250 West Main Street Lexington, KY 40507
Balance Sheet Kentucky Employers Mutual Ins
Lexington, KY 		Click to
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Total Assets 1.19B
Capital and Reserves Kentucky Employers Mutual Ins
Lexington, KY 		Click to
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Risk-Adjusted Capital Ratio #1 2.83
Risk-Adjusted Capital Ratio #2 1.63
1-Year Reserve Development -510.00%
2-Year Reserve Development 790.00%
Capital 411.79M
Premium to Surplus 40.00%
Reserves to Surplus 170.00%
Investments Kentucky Employers Mutual Ins
Lexington, KY 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates --
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Kentucky Employers Mutual Ins
Lexington, KY 		Click to
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Medical Loss Ratio --
Cash From Underwriting 110.00%
Combined Ratio 90.00%
Expense Ratio 30.00%
Loss Ratio 59.21%
Net Premium Growth -10.00%
Other Medical Kentucky Employers Mutual Ins
Lexington, KY 		Click to
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Bonus Pay --
Capitation Pay --
Contractual Pay --
Enrollment --
Fee For Service --
Medical Expense Per Member Per Month --
Network Physicians --
Other Pay --
Salary Pay --
Total Patient Encounters - Physician --
Total Patient Encounters-Non-Physician --
Profitability Kentucky Employers Mutual Ins
Lexington, KY 		Click to
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Net Income 22.65M
Net Premium 59.93M
Health Premium --