Physicians Ins Mutual
Major Rating Factors:
Weak overall results on stability tests (0.0 on a scale of 0 to 10) including weak risk diversification. The largest net exposure for one risk is excessive at 49.0% of capital. Fair profitability index (3.7) with operating losses during 2024. Return on equity has been low, averaging 3.0% over the past five years. Good long-term capitalization index (6.5) based on good current risk adjusted capital (severe loss scenarios), although results have slipped from the excellent range during the last year.
Other Rating Factors:
Ample reserve history (10.0) that helps to protect the company against sharp claims increases. Superior liquidity (9.4) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Med mal (100.0%)
Licensed in:
MO
Principal Investments:
Investment grade bonds (64.8%), common stock (26.2%), cash (8.7%), other (0.2%)
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
None
Investment Rating
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Company Address
18 Oakleigh Lane
Saint Louis, MO 63124
Saint Louis, MO 63124
Phone Number
(314) 393-4105
NAIC Number
13194
Website
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Largest Affiliates
No affiliate information available.