C
Obsidian Spclty Ins Co
Rating Date
June 2026
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
0.74
Risk Adjusted
Capital Ratio #2
0.58
Loss
Ratio
88.68%
Total
Assets
396.06M
Capital
127.87M
Net
Premiums
45.11M
Net
Income
10.79M
My Lists My Alerts
Auto Physical Damage
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
84
79
163
48.47%
23.88%
2024
105
70
175
40.00%
23.31%
2023
15
112
127
88.19%
22.83%
2022
25
23
48
47.92%
23.10%
2021
0
0
0
0.00%
22.81%
Commercial Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
904
361
1,265
28.54%
49.08%
2024
1,366
504
1,870
26.95%
47.46%
2023
162
844
1,006
83.90%
47.29%
2022
52
145
197
73.60%
45.44%
2021
8
11
19
57.89%
44.40%
Commercial Multiple Peril
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
74
6
80
7.50%
42.44%
2024
0
0
0
0.00%
41.75%
2023
0
0
0
0.00%
38.64%
Homeowners & Farmowners
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
446
84
530
15.85%
38.98%
2024
0
0
0
0.00%
39.58%
2023
0
0
0
0.00%
36.96%
Medical Professional Liability (Claims Made)
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
0
0
0
0.00%
95.15%
2024
0
0
0
0.00%
96.08%
Medical Professional Liability (Occurrence)
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
0
0
0
0.00%
94.16%
2024
0
0
0
0.00%
92.29%
Other Liability: Claims Made
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
66
445
511
87.08%
83.87%
2024
50
228
278
82.01%
81.44%
2023
0
239
239
100.00%
74.87%
2022
31
10
41
24.39%
72.69%
2021
2
6
8
75.00%
79.01%
2020
0
0
0
0.00%
80.13%
Other Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
28,953
12,283
41,236
29.79%
13.25%
2024
21,774
11,493
33,267
34.55%
12.32%
2023
49
4,934
4,983
99.02%
16.34%
2022
38
22
60
36.67%
11.13%
2021
0
0
0
0.00%
18.93%
Private Passenger Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2023
0
6
6
100.00%
44.64%
2022
4
5
9
55.56%
46.15%
Product Liability: Claims Made
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
2025
1
0
1
0.00%
84.76%
2024
0
2
2
100.00%
84.35%
2023
0
0
0
0.00%
68.07%
2022
0
0
0
0.00%
77.84%
2021
0
0
0
0.00%
84.45%