Graph Ins Grp a RRG LLC
Major Rating Factors:
Poor long-term capitalization index (0.0 on a scale of 0 to 10) based on weak current risk adjusted capital (severe and moderate loss scenarios), although results have slipped from the fair range during the last year. Weak profitability index (0.0) with operating losses during 2019, 2023 and the first nine months of 2024. Average return on equity over the last five years has been poor at -3,125.0%. Weak overall results on stability tests (0.0) including weak risk adjusted capital in prior years and weak results on operational trends.
Other Rating Factors:
Fair reserve development (3.9) as reserves have generally been sufficient to cover claims. In 2023 the two year reserve development was 22.5% deficient. Superior liquidity (10.0) with ample operational cash flow and liquid investments.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
D - Limited diversification of general business, policy, and/or investment risk.
G - Fast asset or premium growth.
R - Concerns about the financial strength of its reinsurers.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Med mal (90.0%), other (10.0%)
Licensed in:
VT
Principal Investments:
Cash (99.5%), other (0.5%)
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
Graph Ins Group a Risk Retention Group LLC
Investment Rating
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Company Address
27 Main Street
Burlington, VT 05401
Burlington, VT 05401
Phone Number
(802) 227-7730
NAIC Number
16415
Website
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Largest Affiliates