Clinician Assurance Inc A RRG
Major Rating Factors:
Poor long-term capitalization index (1.2 on a scale of 0 to 10) based on weak current risk adjusted capital (severe and moderate loss scenarios). Weak overall results on stability tests (2.7) including weak risk adjusted capital in prior years and weak results on operational trends. The largest net exposure for one risk is excessive at 8.1% of capital. Ample reserve history (9.6) that helps to protect the company against sharp claims increases.
Other Rating Factors:
Excellent profitability index (7.5) despite operating losses during 2020. Excellent expense controls. Return on equity has been good over the last five years, averaging 22.1%. Excellent liquidity (7.7) with ample operational cash flow and liquid investments.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business:
Med mal (100.0%)
Licensed in:
VT
Principal Investments:
Investment grade bonds (53.9%), common stock (37.9%), cash (3.5%), other (4.7%)
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
159 Bank Street
Burlington, VT 05401
Burlington, VT 05401
Phone Number
(802) 860-1958
NAIC Number
16851
Website
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Largest Affiliates
No affiliate information available.