Major Rating Factors:
Weak overall results on stability tests (0.4 on a scale of 0 to 10) including. The largest net exposure for one risk is excessive at 26.3% of capital. Fair profitability index (4.4) with operating losses during 2025. History of adequate reserve strength (5.8) as reserves have been consistently at an acceptable level.
Other Rating Factors:
Strong long-term capitalization index (7.0) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Excellent liquidity (7.1) with ample operational cash flow and liquid investments.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
Principal Lines of Business:
Med mal (100.0%)
Licensed in:
VT
Principal Investments:
Investment grade bonds (78.7%), cash (14.4%), common stock (6.8%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
209 Route 35
Athens, VT 05143
Athens, VT 05143
Phone Number
(802) 349-4497
NAIC Number
14032
Website
--
Largest Affiliates
There are no affiliate to display.