C
Emerald Bay Spclty Ins Co
Rating Date
June 2026
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
1.99
Risk Adjusted
Capital Ratio #2
1.52
Loss
Ratio
36.99%
Total
Assets
235.50M
Capital
92.98M
Net
Premiums
60.48M
Net
Income
-10.98M
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Weiss Ratings Emerald Bay Spclty Ins Co
Morristown, NJ 		Click to
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Rating C
Capitalization Index 7.80
Investment Safety Index --
Liquidity Index 7.20
Profitability Index 2.70
Reserve Adequacy Index 4.10
Stability Index 3.90
Company Info Emerald Bay Spclty Ins Co
Morristown, NJ 		Click to
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Industry P&C
NAIC Number 17527
Phone Number (862) 332-8050
Website www.emeraldbayrisk.com
Address 177 Madison Avenue Morristown, NJ 07960
Balance Sheet Emerald Bay Spclty Ins Co
Morristown, NJ 		Click to
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Total Assets 235.50M
Capital and Reserves Emerald Bay Spclty Ins Co
Morristown, NJ 		Click to
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Risk-Adjusted Capital Ratio #1 1.99
Risk-Adjusted Capital Ratio #2 1.52
1-Year Reserve Development -0.04%
2-Year Reserve Development 0.00%
Capital 92.98M
Premium to Surplus 65.05%
Reserves to Surplus 6.60%
Investments Emerald Bay Spclty Ins Co
Morristown, NJ 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates 14.39%
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Emerald Bay Spclty Ins Co
Morristown, NJ 		Click to
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Medical Loss Ratio --
Cash From Underwriting 430.44%
Combined Ratio 88.50%
Expense Ratio 51.51%
Loss Ratio 36.99%
Net Premium Growth 1,824.32%
Other Medical Emerald Bay Spclty Ins Co
Morristown, NJ 		Click to
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Bonus Pay --
Capitation Pay --
Contractual Pay --
Enrollment --
Fee For Service --
Medical Expense Per Member Per Month --
Network Physicians --
Other Pay --
Salary Pay --
Total Patient Encounters - Physician --
Total Patient Encounters-Non-Physician --
Profitability Emerald Bay Spclty Ins Co
Morristown, NJ 		Click to
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Net Income -10.98M
Net Premium 60.48M
Health Premium --