B
Fremont Ins Co
Fremont,  MI
Rating Date
April 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
1.70
Risk Adjusted
Capital Ratio #2
1.40
Loss
Ratio
73.97%
Total
Assets
201.30M
Capital
37.21M
Net
Premiums
92.56M
Net
Income
-8.80M
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Weiss Ratings Fremont Ins Co
Fremont, MI 		Click to
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Rating B
Capitalization Index 7.50
Investment Safety Index --
Liquidity Index 3.90
Profitability Index 2.30
Reserve Adequacy Index 9.40
Stability Index 5.80
Company Info Fremont Ins Co
Fremont, MI 		Click to
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Industry P&C
NAIC Number 13994
Phone Number (231) 924-0300
Website www.fmic.com
Address 933 East Main Street Fremont, MI 49412
Balance Sheet Fremont Ins Co
Fremont, MI 		Click to
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Total Assets 201.30M
Capital and Reserves Fremont Ins Co
Fremont, MI 		Click to
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Risk-Adjusted Capital Ratio #1 1.70
Risk-Adjusted Capital Ratio #2 1.40
1-Year Reserve Development -640.00%
2-Year Reserve Development -880.00%
Capital 37.21M
Premium to Surplus 250.00%
Reserves to Surplus 170.00%
Investments Fremont Ins Co
Fremont, MI 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates --
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Fremont Ins Co
Fremont, MI 		Click to
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Medical Loss Ratio --
Cash From Underwriting 100.00%
Combined Ratio 100.00%
Expense Ratio 30.00%
Loss Ratio 73.97%
Net Premium Growth 20.00%
Other Medical Fremont Ins Co
Fremont, MI 		Click to
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Bonus Pay --
Capitation Pay --
Contractual Pay --
Enrollment --
Fee For Service --
Medical Expense Per Member Per Month --
Network Physicians --
Other Pay --
Salary Pay --
Total Patient Encounters - Physician --
Total Patient Encounters-Non-Physician --
Profitability Fremont Ins Co
Fremont, MI 		Click to
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Net Income -8.80M
Net Premium 92.56M
Health Premium --