B
Otsego Mutual Fire Ins Co
Rating Date
October 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
6.32
Risk Adjusted
Capital Ratio #2
3.76
Loss
Ratio
60.61%
Total
Assets
206.69M
Capital
182.52M
Net
Premiums
3.04M
Net
Income
3.70M
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Weiss Ratings Otsego Mutual Fire Ins Co
Burlington Flats, NY 		Click to
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Rating B
Capitalization Index 10.00
Investment Safety Index --
Liquidity Index 9.50
Profitability Index 8.00
Reserve Adequacy Index 5.30
Stability Index 7.20
Company Info Otsego Mutual Fire Ins Co
Burlington Flats, NY 		Click to
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Industry P&C
NAIC Number 14915
Phone Number (607) 965-8211
Website www.otsegomutual.com
Address 143 Arnold Road Burlington Flats, NY 13315
Balance Sheet Otsego Mutual Fire Ins Co
Burlington Flats, NY 		Click to
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Total Assets 206.69M
Capital and Reserves Otsego Mutual Fire Ins Co
Burlington Flats, NY 		Click to
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Risk-Adjusted Capital Ratio #1 6.32
Risk-Adjusted Capital Ratio #2 3.76
1-Year Reserve Development 0.00%
2-Year Reserve Development 30.00%
Capital 182.52M
Premium to Surplus 0.00%
Reserves to Surplus 0.00%
Investments Otsego Mutual Fire Ins Co
Burlington Flats, NY 		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 Otsego Mutual Fire Ins Co
Burlington Flats, NY 		Click to
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Medical Loss Ratio --
Cash From Underwriting 200.00%
Combined Ratio 50.00%
Expense Ratio -20.00%
Loss Ratio 60.61%
Net Premium Growth 10.00%
Other Medical Otsego Mutual Fire Ins Co
Burlington Flats, NY 		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 Otsego Mutual Fire Ins Co
Burlington Flats, NY 		Click to
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Net Income 3.70M
Net Premium 3.04M
Health Premium --