St Lukes Hlth Ntwrk Ins Co
Major Rating Factors:
Good long-term capitalization index (5.2 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 profitability index (5.3) despite operating losses during 2025. Excellent expense controls. Good liquidity (6.8) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors:
Good overall results on stability tests (5.4) despite negative cash flow from operations for 2025 and fair risk adjusted capital in prior years. Stability strengths include good operational trends and good risk diversification. The largest net exposure for one risk is acceptable at 2.5% of capital. Ample reserve history (7.7) that can protect against increases in claims costs.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
Principal Lines of Business:
Med mal (96.7%), other (3.3%)
Licensed in:
VT
Principal Investments:
Investment grade bonds (89.0%), common stock (5.4%), cash (3.9%), other (1.7%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
100 Bank Street
Burlington, VT 05401
Burlington, VT 05401
Phone Number
(802) 264-4710
NAIC Number
11688
Website
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Largest Affiliates
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