A
Medical Protective Co
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
Net
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Major Rating Factors: Strong long-term capitalization index (10.0 on a scale of 0 to 10) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Ample reserve history (9.2) that helps to protect the company against sharp claims increases. Excellent profitability index (7.0) with operating gains in each of the last five years. Excellent expense controls.
Other Rating Factors: Superior liquidity (10.0) with ample operational cash flow and liquid investments. Excellent overall results on stability tests (7.2). Stability strengths include good operational trends and excellent risk diversification.
Stability Factors: T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Med mal (75.7%), other (24.3%)
Licensed in: All states and PR
Principal Investments: Investment grade bonds (64.8%), common stock (32.8%), real estate (0.2%), other (2.3%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
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Net Premium Growth
Investments in Affiliates
Corporate Info
Group Affiliation
Berkshire Hathaway Inc
Investment Rating
--
Company Address
5814 Reed Road
Fort Wayne, IN 46835
Phone Number
(260) 485-9622
NAIC Number
11843
Largest Affiliates
A
Omaha, NE - P&C
B
Chevy Chase, MD - P&C
B
Omaha, NE - P&C
B
Stamford, CT - P&C