C
Waypoint Mutual
Rating Date
June 2026
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
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Net
Premiums
Net
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Major Rating Factors: Fair profitability index (4.4 on a scale of 0 to 10) with operating losses during 2022. History of adequate reserve strength (5.2) as reserves have been consistently at an acceptable level. Good liquidity (5.9) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors: Good overall results on stability tests (6.5) despite negative cash flow from operations for 2025. Strong long-term capitalization index (7.4) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Stability Factors: F - Negative cash flow.
Principal Lines of Business: Work comp (100.0%)
Licensed in: All states except AK, CA, CT, DC, DE, HI, MA, MD, ME, MI, ND, NH, NJ, NY, OH, PA, RI, VT, WA, WY
Principal Investments: Investment grade bonds (65.4%), common stock (24.0%), non investment grade bonds (4.2%), other (6.4%)
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2-Year Reserve Development
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Investments in Affiliates
Corporate Info
Group Affiliation
Waypoint Mutual
Investment Rating
--
Company Address
1100 Walnut Street
Kansas City, MO 64106
Phone Number
(816) 474-7799
NAIC Number
13126
Largest Affiliates
C
Kansas City, MO - P&C
C
Kansas City, MO - P&C