B
Diamond Ins Co
Rating Date
October 2025
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: Good long-term capitalization index (6.8 on a scale of 0 to 10) based on good current risk adjusted capital (severe loss scenarios), although results have slipped from the excellent range during the last year. Good overall results on stability tests (5.1) despite fair risk adjusted capital in prior years. Stability strengths include excellent operational trends and good risk diversification. Ample reserve history (9.5) that helps to protect the company against sharp claims increases.
Other Rating Factors: Excellent profitability index (7.8) with operating gains in each of the last five years. Return on equity has been good over the last five years, averaging 12.2%. Excellent liquidity (7.1) with ample operational cash flow and liquid investments.
Stability Factors: R - Concerns about the financial strength of its reinsurers. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Work comp (100.0%)
Licensed in: FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NV, OK, PA, SD, TN, VA, WI, WV
Principal Investments: Investment grade bonds (44.8%), non investment grade bonds (29.1%), common stock (3.3%), cash (1.9%), preferred stock (1.5%), other (19.4%)
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
1900 East Golf Road
Schaumburg, IL 60173
Phone Number
(847) 230-1331
NAIC Number
10659
Largest Affiliates
No affiliate information available.