D
Bloomington Farmers Mutl Ins
Rating Date
October 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Assets
Capital
Net
Premiums
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Major Rating Factors: Weak overall results on stability tests (0.9 on a scale of 0 to 10) including weak results on operational trends. The largest net exposure for one risk is excessive at 16.0% of capital. Fair reserve development (4.6) as reserves have generally been sufficient to cover claims. Fair profitability index (4.6) with modest operating losses during the first six months of 2025.
Other Rating Factors: Good liquidity (6.7) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Strong long-term capitalization index (8.3) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Moreover, capital levels have been consistent in recent years.
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: Farmowners (50.2%), homeowners (25.2%), personal/comm auto (8.1%), comm multi (4.0%), fire (3.8%), other (8.8%)
Licensed in: WI
Principal Investments: Investment grade bonds (72.2%), common stock (13.7%), cash (10.3%), real estate (0.2%), other (3.7%)
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2-Year Reserve Development
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Investments in Affiliates
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Corporate Info
Group Affiliation
Wisconsin Association of Mutual Ins Companies
Investment Rating
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Company Address
131 Congress Street
Bloomington, WI 53804
Phone Number
(608) 994-2683
NAIC Number
11780
Largest Affiliates
C
Coloma, WI - P&C
C
Prairie du Sac, WI - P&C
C