B
Brotherhood Mutual Ins Co
Rating Date
June 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
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Major Rating Factors: Fair reserve development (4.5 on a scale of 0 to 10) as reserves have generally been sufficient to cover claims. Fair profitability index (4.6) with operating losses during 2023. Return on equity has been low, averaging 2.0% over the past five years. 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.
Other Rating Factors: Excellent liquidity (7.0) with ample operational cash flow and liquid investments. Excellent overall results on stability tests (7.6). Stability strengths include excellent operational trends and excellent risk diversification.
Stability Factors: T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Comm multi (81.9%), work comp (7.9%), personal/comm auto (4.4%), other (5.8%)
Licensed in: All states
Principal Investments: Investment grade bonds (54.2%), common stock (18.0%), cash (8.1%), real estate (4.5%), non investment grade bonds (2.0%), preferred stock (0.1%), other (13.1%)
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Investments in Affiliates
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Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
6400 Brotherhood Way
Fort Wayne, IN 46825
Phone Number
(260) 482-8668
NAIC Number
13528
Largest Affiliates
No affiliate information available.