C
Physicians Proactive Protectio
Rating Date
June 2026
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Weak overall results on stability tests (2.8 on a scale of 0 to 10) including. The largest net exposure for one risk is excessive at 11.2% of capital. Strong long-term capitalization index (8.6) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Ample reserve history (9.5) that helps to protect the company against sharp claims increases.
Other Rating Factors: Excellent profitability index (7.7). Excellent liquidity (8.6) 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 (100.0%)
Licensed in: SC
Principal Investments: Investment grade bonds (69.8%), common stock (23.3%), cash (4.4%), other (2.5%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
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Corporate Info
Group Affiliation
EmblemHealth Inc
Investment Rating
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Company Address
100 Brigade Street
Charleston, SC 29403
Phone Number
(843) 577-1361
NAIC Number
12507
Website
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Largest Affiliates
There are no affiliate to display.