C
Yellowstone Ins Exchange
Rating Date
June 2026
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Premiums
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Major Rating Factors: Fair overall results on stability tests (3.3 on a scale of 0 to 10) including fair risk adjusted capital in prior years. The largest net exposure for one risk is high at 4.0% of capital. Strong long-term capitalization index (7.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios) reflecting significant improvement over results in 2021. Ample reserve history (10.0) that helps to protect the company against sharp claims increases.
Other Rating Factors: Excellent profitability index (7.7). Excellent liquidity (7.3) with ample operational cash flow and liquid investments.
Stability Factors: D - Limited diversification of general business, policy, and/or investment risk. R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business: Med mal (95.5%), other (4.5%)
Licensed in: VT
Principal Investments: Investment grade bonds (55.2%), common stock (18.1%), cash (18.0%), non investment grade bonds (6.9%), preferred stock (0.3%), other (1.6%)
Ratios
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2-Year Reserve Development
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Investments in Affiliates
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Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
126 College Street
Burlington, VT 05401
Phone Number
(802) 735-1692
NAIC Number
11796
Largest Affiliates
There are no affiliate to display.