Major Rating Factors:
Strong long-term capitalization index (10.0 on a scale of 0 to 10) based on excellent current risk adjusted capital (severe and moderate loss scenarios). Furthermore, this high level of risk adjusted capital has been consistently maintained in previous years. Ample reserve history (9.2) that helps to protect the company against sharp claims increases. Excellent profitability index (8.8) despite modest operating losses during the first six months of 2025.
Other Rating Factors:
Excellent overall results on stability tests (7.8). Stability strengths include excellent operational trends and excellent risk diversification. Good liquidity (6.6) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors:
L - Past results on our liquidity tests.
R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business:
Farmowners (29.6%), personal/comm auto (26.6%), comm multi (15.8%), work comp (11.2%), homeowners (10.0%), other (6.9%)
Licensed in:
IL, MN, WI
Principal Investments:
Investment grade bonds (85.0%), common stock (11.2%), cash (1.6%), non investment grade bonds (1.1%), other (1.1%)
Corporate Info
Group Affiliation
Rural Mutual Ins Co
Investment Rating
--
Company Address
1241 John Q. Hammons Drive
Madison, WI 53717
Madison, WI 53717
Phone Number
(608) 836-5525
NAIC Number
15091
Website
Largest Affiliates