B
Guardian Ins Co
Rating Date
October 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
1.87
Risk Adjusted
Capital Ratio #2
1.28
Loss
Ratio
49.42%
Total
Assets
64.16M
Capital
20.11M
Net
Premiums
18.59M
Net
Income
1.87M
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
2024
910
93
1,003
9.27%
23.31%
2023
614
68
682
9.97%
22.83%
2022
2,797
524
3,321
15.78%
23.10%
2021
0
0
0
0.00%
22.81%
2020
0
0
0
0.00%
21.51%
2019
0
0
0
0.00%
22.66%
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
2024
221
40
261
15.33%
47.45%
2023
224
21
245
8.57%
47.29%
2022
1,074
318
1,392
22.84%
45.44%
2021
0
0
0
0.00%
44.40%
2020
293
52
345
15.07%
42.45%
2019
467
43
510
8.43%
44.33%
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
2024
14
23
37
62.16%
41.74%
2023
14
15
29
51.72%
38.64%
2022
110
81
191
42.41%
39.39%
2021
0
0
0
0.00%
40.41%
2020
14
15
29
51.72%
48.09%
2019
23
39
62
62.90%
43.30%
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
2024
1
3
4
75.00%
39.58%
2023
3
2
5
40.00%
36.96%
2022
0
4
4
100.00%
37.07%
2021
0
0
0
0.00%
39.17%
2020
2
5
7
71.43%
35.42%
2019
0
6
6
100.00%
35.34%
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
2024
0
0
0
0.00%
12.32%
2023
0
6
6
100.00%
16.34%
2022
0
3
3
100.00%
11.13%
2021
0
0
0
0.00%
18.93%
2020
2
2
4
50.00%
20.93%
2019
0
3
3
100.00%
16.90%
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
2024
1,290
161
1,451
11.10%
45.22%
2023
1,203
108
1,311
8.24%
44.64%
2022
4,430
1,546
5,976
25.87%
46.15%
2021
0
0
0
0.00%
46.87%
2020
1,615
212
1,827
11.60%
43.90%
2019
2,545
285
2,830
10.07%
42.09%