B
Medical Liability Alliance
Rating Date
June 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Capital
Net
Premiums
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Major Rating Factors: Fair overall results on stability tests (4.1 on a scale of 0 to 10) including. The largest net exposure for one risk is excessive at 7.2% of capital. History of adequate reserve strength (5.9) as reserves have been consistently at an acceptable level. Strong long-term capitalization index (9.6) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Other Rating Factors: Excellent profitability index (8.6) despite modest operating losses during the first three months of 2025. Excellent liquidity (7.8) with ample operational cash flow and liquid investments.
Stability Factors: D - Limited diversification of general business, policy, and/or investment risk. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Med mal (99.7%), other (0.3%)
Licensed in: AR, IL, KS, MO
Principal Investments: Investment grade bonds (80.1%), common stock (16.1%), cash (1.2%), other (2.7%)
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Premium to Surplus
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2-Year Reserve Development
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Investments in Affiliates
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Corporate Info
Group Affiliation
Missouri Hospital Plan
Investment Rating
--
Company Address
4700 Country Club Drive
Jefferson City, MO 65109
Phone Number
(573) 893-5300
NAIC Number
10686
Largest Affiliates
C
Jefferson City, MO - P&C