Inspirien Ins Co
Major Rating Factors:
Weak profitability index (2.2 on a scale of 0 to 10) with operating losses during each of the last five years and the first six months of 2025. Average return on equity over the last five years has been poor at -11.6%. Weak overall results on stability tests (2.6) including weak results on operational trends and fair risk adjusted capital in prior years. The largest net exposure for one risk is excessive at 7.4% of capital. Fair long-term capitalization index (3.3) based on fair current risk adjusted capital (severe loss scenarios).
Other Rating Factors:
History of adequate reserve strength (6.4) as reserves have been consistently at an acceptable level. Good liquidity (6.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
D - Limited diversification of general business, policy, and/or investment risk.
R - Concerns about the financial strength of its reinsurers.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Med mal (44.7%), comm multi (36.5%), other (18.8%)
Licensed in:
AL, GA, IN, KY, LA, MS
Principal Investments:
Investment grade bonds (82.8%), common stock (11.1%), cash (4.6%), other (1.5%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
509 Oliver Road
Montgomery, AL 36117
Montgomery, AL 36117
Phone Number
(334) 323-4123
NAIC Number
11668
Website
Largest Affiliates
No affiliate information available.