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, negative cash flow from operations for 2025 and weak results on operational trends. The largest net exposure for one risk is excessive at 55.1% of capital. Fair profitability index (3.5) with operating losses during 2024 and 2025. Good long-term capitalization index (6.0) based on good current risk adjusted capital (severe loss scenarios), although results have slipped from the excellent range over the last two years.
Other Rating Factors:
Ample reserve history (9.9) that helps to protect the company against sharp claims increases. Excellent liquidity (7.4) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
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 (62.7%), common stock (25.4%), cash (10.2%), other (1.7%)
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
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