C
CRICO (A Reciprocal RRG)
Rating Date
October 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: Weak profitability index (1.9 on a scale of 0 to 10). Good long-term capitalization index (6.4) based on fair current risk adjusted capital (moderate loss scenarios). Fair reserve development (4.3) as reserves have generally been sufficient to cover claims.
Other Rating Factors: Excellent liquidity (7.1) with ample operational cash flow and liquid investments. Excellent overall results on stability tests (8.1). Stability strengths include excellent operational trends and excellent risk diversification.
Stability Factors: C - Past results on our Risk-Adjusted Capital tests. E - Lack of operating experience. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Med mal (89.4%), other (10.6%)
Licensed in: VT
Principal Investments: Investment grade bonds (43.9%), common stock (15.1%), cash (2.5%), other (38.6%)
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
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Investments in Affiliates
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Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
100 Bank Street
Burlington, VT 05401
Phone Number
(802) 652-1571
NAIC Number
17491
Largest Affiliates
No affiliate information available.