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
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Weiss Ratings Guardian Ins Co
Saint Thomas, VI 		Click to
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Rating B
Capitalization Index 7.40
Investment Safety Index --
Liquidity Index 6.80
Profitability Index 8.70
Reserve Adequacy Index 7.00
Stability Index 4.30
Company Info Guardian Ins Co
Saint Thomas, VI 		Click to
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Industry P&C
NAIC Number 17779
Phone Number (340) 776-8050
Website www.guardianinsurance.com
Address 9716 Estate Thomas Saint Thomas, VI 00802
Balance Sheet Guardian Ins Co
Saint Thomas, VI 		Click to
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Total Assets 64.16M
Capital and Reserves Guardian Ins Co
Saint Thomas, VI 		Click to
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Risk-Adjusted Capital Ratio #1 1.87
Risk-Adjusted Capital Ratio #2 1.28
1-Year Reserve Development 10.00%
2-Year Reserve Development 30.00%
Capital 20.11M
Premium to Surplus 180.00%
Reserves to Surplus 30.00%
Investments Guardian Ins Co
Saint Thomas, VI 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates 4.19%
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Guardian Ins Co
Saint Thomas, VI 		Click to
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Medical Loss Ratio --
Cash From Underwriting 130.00%
Combined Ratio 90.00%
Expense Ratio 40.00%
Loss Ratio 49.42%
Net Premium Growth 20.00%
Other Medical Guardian Ins Co
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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 Guardian Ins Co
Saint Thomas, VI 		Click to
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Net Income 1.87M
Net Premium 18.59M
Health Premium --