D
Southern Trust Ins Co
Macon,  GA
Rating Date
June 2026
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
1.39
Risk Adjusted
Capital Ratio #2
1.02
Loss
Ratio
83.68%
Total
Assets
136.51M
Capital
49.98M
Net
Premiums
61.58M
Net
Income
-14.18M
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
2025
649
0
649
0.00%
23.88%
2024
0
0
0
0.00%
23.31%
2023
1,208
50
1,258
3.97%
22.83%
2022
781
212
993
21.35%
23.10%
2021
817
285
1,102
25.86%
22.81%
2020
829
244
1,073
22.74%
21.51%
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
2025
142
3
145
2.07%
49.08%
2024
143
9
152
5.92%
47.46%
2023
152
44
196
22.45%
47.29%
2022
102
63
165
38.18%
45.44%
2021
138
97
235
41.28%
44.40%
2020
122
74
196
37.76%
42.45%
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
2025
61
1
62
1.61%
42.44%
2024
179
31
210
14.76%
41.75%
2023
146
95
241
39.42%
38.64%
2022
86
62
148
41.89%
39.39%
2021
96
51
147
34.69%
40.41%
2020
124
103
227
45.37%
48.09%
Homeowners & Farmowners
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
2025
188
0
188
0.00%
38.98%
2024
840
186
1,026
18.13%
39.58%
2023
467
149
616
24.19%
36.96%
2022
269
169
438
38.58%
37.07%
2021
259
192
451
42.57%
39.17%
2020
327
285
612
46.57%
35.42%
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
2025
0
0
0
0.00%
13.25%
2024
0
0
0
0.00%
12.32%
2023
0
0
0
0.00%
16.34%
2022
0
0
0
0.00%
11.13%
2021
1
1
2
50.00%
18.93%
2020
0
2
2
100.00%
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
2025
154
0
154
0.00%
45.21%
2024
242
2
244
0.82%
45.23%
2023
435
19
454
4.19%
44.64%
2022
321
62
383
16.19%
46.15%
2021
293
54
347
15.56%
46.87%
2020
321
49
370
13.24%
43.90%
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
2020
0
0
0
0.00%
33.86%