Clear Spring National Ins Co

Zionsville, IN

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

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Weiss Ratings	Clear Spring National Ins Co Zionsville, IN	Click to Compare	Click to Compare	Click to Compare
Rating	D
Capitalization Index	2.60
Investment Safety Index	--
Liquidity Index	9.10
Profitability Index	3.80
Reserve Adequacy Index	5.80
Stability Index	5.70

Company Info	Clear Spring National Ins Co Zionsville, IN	Click to Compare	Click to Compare	Click to Compare
Industry	P&C
NAIC Number	12274
Phone Number	(570) 824-1400
Website	d.clearspringpc.com
Address	10555 Group 1001 Way Zionsville, IN 46077

Balance Sheet	Clear Spring National Ins Co Zionsville, IN	Click to Compare	Click to Compare	Click to Compare
Total Assets	21.36M

Capital and Reserves	Clear Spring National Ins Co Zionsville, IN	Click to Compare	Click to Compare	Click to Compare
Risk-Adjusted Capital Ratio #1	0.63
Risk-Adjusted Capital Ratio #2	0.45
1-Year Reserve Development	980.00%
2-Year Reserve Development	530.00%
Capital	21.09M
Premium to Surplus	190.00%
Reserves to Surplus	210.00%

Investments	Clear Spring National Ins Co Zionsville, IN	Click to Compare	Click to Compare	Click to Compare
Cash	--
CMO & Structured Securities	--
Common & Preferred Stock	--
Invested Assets	--
Investments in Affiliates	--
Mortgages in Good Standing	--
Non-Investment Grade Bonds	--
Non-Performing Mortgages	--
Other Investment Grade Bonds	--
Other Investments	--
Real Estate	--

Operating Ratios	Clear Spring National Ins Co Zionsville, IN	Click to Compare	Click to Compare	Click to Compare
Medical Loss Ratio	--
Cash From Underwriting	110.00%
Combined Ratio	110.00%
Expense Ratio	30.00%
Loss Ratio	73.88%
Net Premium Growth	0.00%

Other Medical	Clear Spring National Ins Co Zionsville, IN	Click to Compare	Click to Compare	Click to Compare
Bonus Pay	--
Capitation Pay	--
Contractual Pay	--
Enrollment	--
Fee For Service	--
Medical Expense Per Member Per Month	--
Network Physicians	--
Other Pay	--
Salary Pay	--
Total Patient Encounters - Physician	--
Total Patient Encounters-Non-Physician	--

Profitability	Clear Spring National Ins Co Zionsville, IN	Click to Compare	Click to Compare	Click to Compare
Net Income	1.08M
Net Premium	-11.24M
Health Premium	--