Juniata Mutual Ins Co
Major Rating Factors:
Fair profitability index (3.8 on a scale of 0 to 10) with operating losses during 2023, 2024 and 2025. Weak overall results on stability tests (2.7) including weak risk diversification and negative cash flow from operations for 2025. The largest net exposure for one risk is acceptable at 2.6% of capital. Good liquidity (6.2) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Other Rating Factors:
Strong long-term capitalization index (7.8) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. History of adequate reserve strength (7.0) as reserves have been consistently at an acceptable level.
Stability Factors:
D - Limited diversification of general business, policy, and/or investment risk.
F - Negative cash flow.
R - Concerns about the financial strength of its reinsurers.
Principal Lines of Business:
Homeowners (40.8%), farmowners (17.3%), fire (16.1%), comm multi (14.2%), other (11.6%)
Licensed in:
PA
Principal Investments:
Common stock (51.3%), investment grade bonds (34.3%), cash (1.8%), real estate (0.8%), other (11.8%)
Corporate Info
Group Affiliation
None
Investment Rating
--
Company Address
74 Church Street
McAlisterville, PA 17049
McAlisterville, PA 17049
Phone Number
(717) 463-2101
NAIC Number
17329
Website
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