D
Clear Spring National Ins Co
Rating Date
October 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
0.63
Risk Adjusted
Capital Ratio #2
0.45
Loss
Ratio
73.88%
Total
Assets
21.36M
Capital
21.09M
Net
Premiums
-11.24M
Net
Income
1.08M
My Lists My Alerts
Auto Physical Damage
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
65
10
75
13.33%
23.31%
2023
79
4
83
4.82%
22.83%
2022
0
0
0
0.00%
23.10%
2021
517
276
793
34.80%
22.81%
2020
61
60
121
49.59%
21.51%
2019
4
0
4
0.00%
22.66%
Commercial Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
27
18
45
40.00%
47.45%
2023
22
16
38
42.11%
47.29%
2022
10
8
18
44.44%
45.44%
2021
6
3
9
33.33%
44.40%
Commercial Multiple Peril
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
21
14
35
40.00%
41.74%
2023
16
15
31
48.39%
38.64%
2022
6
15
21
71.43%
39.39%
2021
26
8
34
23.53%
40.41%
2020
8
5
13
38.46%
48.09%
Other Liability: Claims Made
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
0
0
0
0.00%
81.44%
Other Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
6
8
14
57.14%
12.32%
2023
8
11
19
57.89%
16.34%
2022
12
13
25
52.00%
11.13%
2021
0
0
0
0.00%
18.93%
2020
0
0
0
0.00%
20.93%
Private Passenger Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
93
282
375
75.20%
45.22%
2023
65
936
1,001
93.51%
44.64%
2022
821
1,020
1,841
55.40%
46.15%
2021
587
695
1,282
54.21%
46.87%
2020
0
0
0
0.00%
43.90%
2019
6
1
7
14.29%
42.09%
Workers' Compensation
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2024
464
113
577
19.58%
35.33%
2023
346
371
717
51.74%
35.67%
2022
495
305
800
38.13%
37.14%
2021
512
291
803
36.24%
35.46%
2020
357
22
379
5.80%
33.86%
2019
484
0
484
0.00%
34.01%