B
MMG Ins Co
Rating Date
April 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: Good liquidity (5.8 on a scale of 0 to 10) with sufficient resources (cash flows and marketable investments) to handle a spike in claims. Good overall results on stability tests (6.9) despite. Stability strengths include good operational trends and excellent risk diversification. Fair reserve development (4.6) as reserves have generally been sufficient to cover claims.
Other Rating Factors: Fair profitability index (3.9) with operating losses during 2023. Strong long-term capitalization index (8.7) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels.
Stability Factors: L - Past results on our liquidity tests.
Principal Lines of Business: Personal/comm auto (41.6%), comm multi (31.2%), homeowners (20.9%), farmowners (1.3%), fire (0.6%), other (4.4%)
Licensed in: MA, ME, NH, PA, VA, VT
Principal Investments: Investment grade bonds (64.6%), common stock (16.3%), cash (6.5%), real estate (3.1%), other (9.5%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
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Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
44 Maysville Road
Presque Isle, ME 04769
Phone Number
(207) 764-6611
NAIC Number
15997
Largest Affiliates
No affiliate information available.